debt-free vs effective

debt-free

adj
  • Free of debt, not owing any money. 

effective

adj
  • Having no negative coefficients. 

  • approximate; Not describing the fundamental dynamic changes in some system as they happen. 

  • Efficient, serviceable, or operative, available for useful work. 

  • Producing a decided or decisive effect. 

  • Having the power to produce a required effect or effects. 

  • Actually in effect. 

noun
  • a soldier fit for duty 

How often have the words debt-free and effective occurred in a corpus of books? (source: Google Ngram Viewer )