Another thing to consider is the stimulus checks people received. A family of 4 that makes less than $150k a year (which is still a decent income in many parts of the country) would have received $3400. Now, it's not a bad idea to put that into savings. But many people don't do that, so they could combine that with maybe a vacation fund they had to take the kids somewhere for Spring Break or Summer Vacation, and that's a nice down payment on a travel trailer. Even if they are still both working they would still receive that money.