My rating is great, I'm retired now and on a "fixed income". I don't owe any money to any one. Houses and condo are paid off, as are the cars, so it's just monthly utilities, insurances and taxes that I MUST pay regularly.
I went and looked at buying a new truck this past weekend, but, didn't, as there is nothing wrong with the two I have. I have a loaded short bet crew cab as my daily driver, and a long bed regular cab as my "worker", for hauling.
My wife has her SUV, and I my 71 Swinger (toy) so we're set. I think the next major purchase ( over $250.00) will be a new TV, and a new computer ( probably a tablet).
Looking at a 4 door Valiant to build an auto cross car, for my son, in Orlando. That should be fun.