Hey Willow! I'm in a similar boat as you are financially. It was hard work, but the house and 2 cars are owned free and clear. I realized some time ago that money is just a tool, not a sign of my value, and like any resource, I use it - carefully. But we must acknowledge that the current system was DESIGNED to enslave us through money. It was literally entrapment. So I have zero problems forgiving everyone's debt - ONE TIME ONLY. Those people who had been trapped will be set free. With that burden cast off, maybe they will finally be able to be productive on their own terms. As for those people who are frivolous with money, they'll will soon find themselves without, again. If I may quote a pretty wise man, "the poor will always be with you." Good on you for your wise use of money. May you have many continued blessings, Willow! Be well everyone! Be best!