I don't know what class I am in, but the only debts I have are taxes (property tax) and a mortgage. If I didn't pay for the car it probably is not going to make it in my driveway - ditto for furniture/etc.
One of the kids' college education is partially financed, but that was his doing and choice.
The only other thing I plan on financing is a family plot for 6-10 graves. The momz are not getting any younger.