People have needs: higher and lower. Eating, sleeping, relaxing, buying new clothes are the primary needs, without which it is impossible to exist normally in the modern world. There are other desires: to buy an apartment, open a business, and even fly into space. When there is a need, funds should appear. People make money to meet their needs. If funds are not enough, they borrow money. Do not exclude the existence of a common family budget: when you can take money for all your needs, without thinking about the details.
One of the components of a person's success in our time is receiving modern high-quality education, mastering the knowledge, skills and abilities necessary for life in society. A person today needs to study almost all his life, mastering everything new and new, acquiring the necessary professional qualities.