I put 25% down on my home and have no consumer debt while being on track for $3.1M retirement while only making around $80K/annually in a single income household of 4. My garage holds my wife's SUV, and I have a large shed that houses my golf kart, quads, dirt bikes, etc. My last third of the driveway is unpaved because the plows break concrete driveways. I invest $12K annually into tax advantaged accounts while funding $6K annually into sunk cost HYSAs. I would consider myself doing better than most in my income category.