We are debt free including our home mortgage. And we had a number of reasons for fully paying off our debt. Ability to retire early to do what we want and when we want was one of the most important reasons for us to get rid of our debt including our mortgage debt. There was a questions on the Dave Ramsey Facebook Group to the readers about their reasons for getting out of debt. The below list is the compilation of 15 most important reasons indicated by the readers, in no particular order. To be free from the clutches of ...