I recently received the following text message from our bank: "Checking withdrawal posted for $876.10". This was the final payment on our home and land loan, and we are for all intents and purposes debt-free. Now in our mid-fifties and after thirty years of marriage, we are the proud owners free and clear of our home and land, three old cars, an old travel trailer and three kayaks. We've also managed to build an emergency savings account and invest a bit for retirement. Here I'll reflect on how we accomplished that.
