Generate a full detail guide on 'Life After Debt: How to Stay Debt-Free and Build Wealth.' The guide should be forward-looking and motivational. It must include detailed sections on: 1. How to handle the emotional transition of achieving a huge goal. 2. A step-by-step guide to creating a new budget for building wealth. 3. How to redirect your old 'debt payment' money towards saving and investing. 4. Strategies for avoiding lifestyle inflation and staying out of debt for good. Please include a disclaimer to consult a financial planner.