We struggled in the beginning in the US as most do I think. Luxury was walk up 4th street in Long Beach for a mile to get a 10 cent ice cream.
Had a cheap Volvo on payments and never used a garage for service since, we could not afford that. Go to the Western Auto parking lot and wrench on it in the parking lot hoping they would have some cheap parts to fix it.
We met a lot of friends in that time period and we also traveled a lot in the Volvo since gas was 17 cents a gallon bringing our sandwiches with us and not staying overnight anywhere
Later on the salary improved but then we had the expense of 9 kids so we were still in the poor house. Some of you may recognize that
Wife's skills in saving money and cooking from cheap ingredients saved the day.
Garage sales were life savers.
Mental health services for some of the kids consumed large amounts
At one time we owed hospitals a huge sum of money but fortunately our company being self insured covered it after we were denied coverage. Big thank you to the CEO that took pity on us
Fortunately we are comfortable in retirement