OK, I am totally on board with being debt-free. But I'm finding it hard to figure out exactly, um, why. (We will be debt free this January, and unless something goes terribly wrong with the new baby, should be staying that way.)
See, here's the thing. We already have a mortgage at a super rate, and we will probably pay it off early. We don't need a car loan and will probably pay cash next time we buy (hopefully not for another few years). We aren't going to be applying for jobs. We aren't going to be looking for an apartment. We're not looking to secure new credit. Our interest rates, insurance rates, etc. are pretty good.
Other than feeling good about being "disciplined" and of course the whole not-having-debt-hanging-over-your-head thing... What would a good credit score do in our situation? (Or not even credit score, really, but specifically, being debt free.) TIA!