Owning a little and owing nothing is more freedom than looking rich on credit.

Debt is a claim somebody else has on your future hours. Two people can drive identical cars and be in opposite situations, because one owes nothing and the other owes four more years of payments. Looking well off and being well off often point in different directions. Owning less outright buys you the ability to say no.

Add up anything you currently owe, including money borrowed from family. Clear the smallest one this month if you can. Before the next thing you want, work out whether you can own a cheaper version of it outright.