Congratulations on paying off your debt... it's definitely a great feeling to NOT be worried about various debt payments, and always being on time, and all that stuff.

We managed to become "all cash" and then realized that our credit scores started tanking as we suddenly had no debts and no "active" accounts... so now we charge various things on various cards every month and pay them off in full.

Again, not because I feel "smug" but as another illustration of how debt enslaves us: If you have NO debt, you also get (kinda) screwed if you DO have to borrow money in an emergency.