theoretically never b/c certain service providers bill after my consumption of their services-phone, garbage, satellite tv (i would include electricity but they initially took a deposit and i use a balanced payment plan that for years has never resulted in a larger payment due at the end of the yearly cycle so i'm always ahead or at a break even w/them). beyond that we use credit cards to make some purchases but always immediately pay in full, we pay all our insurance products either 6 months or 1 year in advance (provides a hefty discount) and the house was paid off 5 years ago.
so as far as dave ramsey defines it-we were there 5 years ago next month.