I started saving for retirement as soon as I got my first real job after university. Unfortunately I can only say I've been debt free for a grand total of 3 months of my adult life. It was that magical summer between finishing paying back my student loans and buying a house. I still have mortgage debt now, but I'm not in a huge rush to pay it off when my investments are paying more than my mortgage interest.
I've been smart enough to never carry any vehicle or consumer debt. That is what really seems to sink people versus mortgage debt. My current financial plan has me retiring at 65 with the same equivalent income as I have today amortized until I'm 95 factoring in 2% inflation.
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