<prompt> Human: Quick background: Im 30 and my wife is 29. We live in a city where the average house is about 150k. We have no student loans and about 100k in mortgagecar debt. We dont have kids. Thats it.We make about 100kyear as a family. I like to max out my Roth IRA we both have pensions at work ans save for other long-term goals in stocks. Right now Im debating buying a used 1k scooter but am leaning towards no because its so expensive.If anyone could answer this from personal experience and not guessing that would be great. How do people my age and younger afford to build brand new houses and buy 25k cars? Do you not save for retirement? Do you not save cash in an emergency fund? Do you prefer to buy stuff rather than save?  <response>: How do people my age and younger afford to build brand new houses and buy 25k cars? Do you not save for retirement? Do you not save cash in an emergency fund? Do you prefer to buy stuff rather than save?Life isnt fair. We do not live in a meritocracy. The righteous will not be rewarded and the wicked will not be punished.All you can do is make the best out of your own situation. 