Temporarily, at least.  I paid off my last 0% balance transfer card this week.  Now what I have left is my mortgage (around 23k at 4%), about 10k of loans that will be maturing over the next 20 months, and about 3.6k of revolving credit card debt that will paid off by my next two paychecks plus some expense reimbursement from my company.

So the debt is under 40k, finally, after a long period where it hung out at around 80k.  But I've made a concerted effort to pay it down the past 3 years.

Unfortunately, it won't stay down quite that low for long as I have some home projects that MUST be done.  I'll be taking out a fixed rate home equity loan and a HELOC to cover those, but I'll be using them JUST for capital improvements, so at least they should be expenses that I will partially recoup when I eventually sell my house.  The front stairs are crumbling and need to be replaced, so that will be done this year.  I've been wavering on whether I should replace my furnace now because it's 25 years old, or wait, and also thinking about replacing the dryer and range before the tariffs hit--but I probably won't.  The front stairs are a definite project for this year, though, and I'm expecting it will end up costing about $8,000 based on the research I did last year.

I'm not rushing out to buy a car to beat the tariffs, as I drive less than 5,000 miles a year.  I currently drive a 2012 Subaru Impreza without any bells or whistles.  We'll see how long I can make it last (it has less than 68,000 miles on it).  It goes into the shop tomorrow for a repair; hopefully that won't cost too much, but it should be my one big car expense for the year, knock on wood.