Debt free is addictive once you achieve it. It's not a short term thing. The interest saved by not having any loans over a 20 year period is huge. It's not about being deprived of fun but all the fun I can have by spending that cash on other things I want. It's not just the interest either. It's the joy of having no monthly payments. I will probably buy another car to tow behind our motor home within the year to replace our 2012 Chevy Sonic (bought with cash). Will probably be a Ford Fiesta bought with cash and no trade. I'll be the first to admit, I will not have enough cash to buy a new truck or motor home so I guess I'll Miss that fun.