Similar story here. We've still got a somewhat hefty mortgage, but no other debt, and my wife and I both work from home. We just splurged by getting a second car (used, paid cash), as I'm traveling to client sites more, and I've left my wife stranded at home for 2.5 years already.
Outside of some work equipment/supplies, we've definitely been working on saving and having liquid cash available. We had multiple emergencies this year - my wife got very sick and we had an emergency room visit, and we had some deaths in our family which required a lot of travel. In all cases we were able to pay cash from savings rather than charge it, which, 10 years ago, would have been my default way of thinking.
It'd certainly be nicer to have some sort of different health care in the US such that a trip to the emergency room didn't cost thousands, but it is what it is.
Outside of some work equipment/supplies, we've definitely been working on saving and having liquid cash available. We had multiple emergencies this year - my wife got very sick and we had an emergency room visit, and we had some deaths in our family which required a lot of travel. In all cases we were able to pay cash from savings rather than charge it, which, 10 years ago, would have been my default way of thinking.
It'd certainly be nicer to have some sort of different health care in the US such that a trip to the emergency room didn't cost thousands, but it is what it is.