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In general, how do many families who don't make much, afford many items. In Michigan here, I know plenty of families, who probably make only around 40k, who go to Florida for Spring Break. Their kids have nice clothes and get new shoes occasionally. They all have their iphones as well, and get new ski apparel yearly. Since I'm assuming their parents don't own their house, much of their income must go towards paying for their house. So, after spending a ton on food, gas, iphone bills, clothes, car insurance, gas, bills, etc, how do they still have money for vacations and fun stuff as well. Do the parents just use up all the money they make, and never put anything away for savings? I know my dad makes more, yet he doesn't buy me and my siblings all this stuff, although we do go to private schools. I was just wondering, since if my dad can hardly afford extra items for me, how can they, who make a substantial amount less.