I voted under $10K. We have about $4K on credit card that is 0 percent interest that we can pay off but we would rather make some interest on it instead. Once zero interest ends, it will be paid off. Then I have about $4K that is business debt from my business that is again, zero interest and I could pay half of it right now but would rather hold that money in case I need it. Once tax refund comes in, that will be paid off. So, in reality, I have about $2K in debt that can't be paid off right now but can in a few months.

Whew...

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Proud to say I haven't shopped at a Wal-Mart since Sept 2003