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There's an assumption isn't there that people in debt are in debt because they're shit with money or they like a gamble or whatever. I don't have the data but I'd wager the vast majority of people in debt are in out of necessity rather than recklessness.

Mortgage aside, absolutely nothing. Got myself into a bit of credit card debt when I was in my early twenties and that f***ing sucked so once that was paid off I swore I'd never do it again. Don't even have a credit card these days.