Don't remember using that terminology when I was 32.
I graduated from college and worked for a few few years before getting married and having kids. But by the time I was her age I was a stay at home mom of four kids on an extremely tight budget. There as no self care or vacations for me. There were times I skipped meals so my kids would have enough to eat.
Ten plus years later (and some more kids) we finally have some breathing room in our budget, but are nowhere near six figures.
We decided early on that people are more important than things. Years ago I asked God for creativity and wisdom to nourish and clothe my kids with what we had. He provided both, but my older kids have no desire to return to the simple meals we had back then ;-).