My oldest daughter graduated university with zero debt and enough money saved up to put 20% down on a beautiful new custom built home. The youngest is in her third year ….. no debt and doing well. The two in between both finished their schooling with zero debt and own very nice homes. Two of them just bought new vehicles …. One paid cash for a 10 year old SUV where as the other bought a brand new $60k unit that the bank has a significant interest in. It will be interesting to see which vehicle ends up being more expensive.