Do you friends actually make more, or do you just think they do based on an opulent lifestyle? People see the trappings of wealth, but not the debt. They assume

Do you friends actually make more, or do you just think they do based on an opulent lifestyle? People see the trappings of wealth, but not the debt. They assume everyone else is at least as responsible with money, because no one ever mentions the crippling credit card debt, student loans, and mortgage that are eating their friends alive.