Not that Im trying to start a fight here (seriously, I probably won't even look back at this thread :lol
, but in my view as an average income earner in a relationship with an average income earner, living within your means -means- NOT taking loans. If you are living within your means, you don't use credit, you save till you have the money then you buy. If you life on credit cards and have an 800k debit on your house, you are living well outside your means and need to reign it in a bit. We run 2 cars, close to a hundred reptiles, a big dog and don't live too poorly, and will have the money to buy a house outright in 3-4 years saving as we are while paying rent. No credit cards and no loans, just budget and logic.