I'm at just under 13% of net on my payment. I'm comfortable with that, and usually pay a bit more than required on my payments. My big bills are my mortgage and my car payment (both under 3% interest
) - other than those, I have very little debt - no credit card bills, no medical stuff, etc... Of course, I wish that my salary were higher or my expenses were lower, but I am pretty comfortable with where things are.