>>I don’t think it is sad, it is the mentality of having to have something right now. People used to save for something they want. I used to (still do).<<
That is the ONLY way to go. I have no debt outside of my mortgage (which I could have paid in cash but at 3% interest I can put my money to other uses).
My wife and I agree: save until we can afford to pay cash for what we want.
You are fortunate the you and your wife agree on saving for what you want. I know so many couples where one saves and the other one borrows and spends, and it always causes trouble.