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I'm with adouglas on this one, but then again I'm also ancient by your (OP's) standards at 39. I made a lot of dumb mistakes with debt early in my life, and having gotten them straightened out now (own my car, own the car my mother drives, own my motorcycle, no credit card debt, house will be paid off in 5-7 yrs), life is SO much more enjoyable.
Now, certain portions of my debts would have been unavoidable, given my lower-middle class upbringing. However, I could have overcome them a lot sooner if I had cut down some on the school loans and credit cards, and lived more within my means.
Fortunately, I made choices later on that helped me get to where I am today. I could have easily gotten approved for a more expensive house, gotten a nicer car, nicer motorcycle, etc. However, it was just those choices in the past (paid-off car and credit cards helped me get the house) that allowed me to make my present and future as bright as they are.
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