What young couples starting out are both making 30-40k?
No, the average couple in their 20's, is making 20-25k a year each, unless they also have 80k in student loans.
The average middle aged couple is making 30-40k each.
Those are the people you see with 2 cars, a house, 50 inch tv, 800$ smart phone.
Those people can't own all those things without debt. Just the house alone, ensures enormous debt.
In the 1960's people were able to rent at very cheap prices for 10 years, and save, and buy a small house with no debt, if they were smart with money. By their middle age, they owned a house, 2 cars, nice furniture, new TV, went on vacations, all without debt, which means they actually owned those things as well.
We have lost so much ground in our standard of living, and yet I am supposed to be ok with it, because I can buy cheap Chinese shit at wal-mart, and have access to huge amounts of debt enslavement.