<prompt> Human: I have friends with 2 small kids, both dont work and do not come from wealthy families. They have a nice big house, fancy brand new cars and really nice things. My husband and I work our butts off, make decent salaries and just have enough. I dont understand. Can someone just take out loans and live off them? But Im sure theres a limit to that. Is there something we are doing wrong?Also, I forgot to add, they are both in their early 30s, never had a solid job and one is still in school.  <response>: Ask them? Maybe they work from home or have some sort of passive income that you dont know about?Can someone just take out loans and live off them?For a little bit, sure. But obviously that debt is going to cripple you eventually. There are plenty of people who go into massive debt so they can have the big house or fast car. 