My total credit card debt is about 20% of my gross annual income, which is a bit higher than I'd like but still quite manageable. I also have a car loan which should be paid off within 18 months. Finally, I have a small mortgage on a rental property which will be paid off within a month when I sell the property, if all goes well. I plan on using some of the sales proceeds, after paying the mortgage and sales expenses, to reduce my credit card debt; as best I can determine, that would knock down my total credit card debt to about 10% of my annual income, which seems reasonable.
All in all, therefore, my debt load isn't too bad, and should be going down soon.
"Let me think about it" = the coward's way of saying "no"