Hmmm yeah debt. Before I left the US I was able to pay off everything except my student loans. Over time I have even widdled that one down but it is still there. It will feel great to one day be completely out of debt. My hope is to be able to get some land and build a house my self without adding any debt. This way I think I will be better off than my peers in the US. I have traded not having big paychecks and spending some of my retirement making a life for myself in Ghana, but soon I will have a lot more I hope. I have a car, will have a house, and be close the beach and all with no debt. My dad also realized most of his investments only get him about .5% so he offered to buy out my student loan to keep it in the family at least. And I offered to give him 1% interest. I reduced my monthly payment by half and he increased his return by double an everyone is happy.