I've never had any help with anything since i've been 15, I'm now 26 and have bought everything outright except for my houses and my olds aurora that i don't have anymore. I hate owing money so I pay things off as soon as i can. My wife on the other hand had everything handed to her and now thinks money grows on trees and we can buy whatever we want whenever we want it. I can't stand it so she puts stuff on her credit card and has her mom pay it off. I'm fine with that so long as i don't have to pay it.