This reveals the often said idiotic "Money makes you happy".
My wife and I don't owe a penny - zilch. We never have -with one exception - our mortgage. When I retired in '93, we still had a mortgage, and I wantedvery much to clear it, with our savings.
A couple (who live round the corner and who are accountants) urged me not to pay it off; "You might need to borrow again at some future date, and with your health...etc.
I din't listen to them; I paid it off (I did have a "special rate" mortgage as a bank employee, but consumer rates had come down so much that the rate I was paying was virtually what I could get on savings - there was no point in keeping the mortgage unless the rates went shooting up again; of course they didn't.
I am lucky; we are lucky (as a couple) - we were able to contribute towards both our sons' education at Uni, and I would love to be able to help them get onto the property ladder - even if it is only to pay for the deposit on a house for each of them (as my Father did for us). Like my father, I don't intend to leave much; money is for use when your children are young and struggling - they might as well have it now, rather than when they (hopefully) won't need it.
The sad fact is that, having scrimped and saved all our lives, the thought of buying "nice things" goes very much against the grain; I still fix plumbing and electrical faults at home, and my wife still cuts all the coupons out of magzines to give towards grocery shopping. But, it doesn't make us happy.
I guess the only thing I can say is "At least we don't have to worry about money" - I was broke when I was single ; I once spent some time eating noting but rice because I was so broke - I had to sleep fully clothed because I couldn't afford to feed the gas meter in my bedsit. Strangely enough, I was happy then.
I often wonder at the circumstances that have made life so easy for me (money-wise), and I do count that blessing, and thank God for my easy money worry-free life.