We are definitely on the same page regarding finance! Both my grown up children are, thankfully, sensible with money. I remember, many years ago, a colleague getting married and buying everything new after getting a mortgage for his house. He visited our home and could not believe that we had my old single bed with scatter cushions for a sofa.
We were just not prepared to get into any more debt than the mortgage - interest rates were 16% in 1981! Nearly everyone has to borrow at some point in their lives but it is not a good habit to get into. Sadly, many people WANT NOW - they are not prepared to wait.