<prompt> Human: I make 110K a year with zero debt and i am looking to purchase a house. The average house price in my area is around 200K, i know my income is much higher than the median and yet all around me people have these huge houses and new cars. I dont feel comfortable laying out that much money a month. So i dont get it.  <response>: Some people are comfortable with more debt. Some people have inherited money. None of it impacts you. Focus on yourself 