I carry a decent amount of debt, I have a small sized company with 4 fulltime employees we are going to hit $300,000 in sales this year. My debt isn't extremely high but it's higher than it should be. But I save alot of money as well. I like to keep alot of money in my savings acount even know I could pay off debt, messed up I know but it's my comfort zone. If I can aford to make those payments each month and still put money away in the bank. Truely what does it matter if you have debt or not. As long as your using that debt to make money and your profiting in the end that's all that matters. I grew my buisiness by taking risks. And it's paying off. Don't be scared of alittle debt. Just be responsible about it, that's what seperates the succesful and the rest. If you are worried about buying a $9,000 mower on a finance plan you don't have enough work to buy it anyway. You can get a new mower for $300 a month think how much you can make off that mower if your mowing 70 yards a week. Or would you rather be the guy with the old beat up mower constantly fixing it costing you more than it's worth because your afraid of taking a loan out for a mower.