Choices have consequences.

Failing to save for a mortgage down payment. Taking decades to pay off the mortgage, getting a new car every few years using auto loans, buying expensive electronic jewellery, taking out of country vacations. Constantly paying interest instead of saving and buying things without a loan or credit card debt.

It all takes a toll.

My wife and I paid off both mortgages on our 1982 home in 5 years 9 months, buying a mini van without a loan. We have only bought 2 new vehicles since,  one because a scofflaw trying to make an illegal left turn across 3 lanes of traffic totalled it. Didn't need a loan for the replacement vehicle, purchased new. My wife has never worked full time since our first child was born in 1985.