USA, far worse. The really insane thing is my parents were absolute shit at fiscal planning and overleveraged up to their eyeballs on everything: mortgage, cars, furniture. My mother was even at the bottom of a makeup MLM for gods' sake. Boomer bougie living at its worst.

And yet? They still owned a home, have retirement savings, and never came close to having anywhere near as bad a debt-to-asset ratio as mine is, all from student loans. Meanwhile I'm better educated, scrimping and saving and not throwing money away on expensive dinners, wine and travel and I will still never be able to afford to have kids, let alone sufficient retirement savings.