My family is in debt because we wanted to have a house to live in. It also seems like a normal way of life here in the US. So that's what you do--get in debt. But I also feel indebted in a more general, philosophical way--like I borrowed something from the Universe, my resources, talents, help from people close to me. And now I have to do something in return--create beautiful things, for example.
I am what is called a home-maker right now, taking care of my three-year-old son. My dear husband takes the brunt of being the sole bread-winner for our family. We are paying a seriously sized mortgage for our house, which feels like an everyday burden, because we have to save money on everything else.
I am using upcycled materials for my brooches and other wearable art, so materials don't cost much. But, overall, if I had more money, I could spend more time working on my art. I'm also periodically salivating over some expensive equipment, like laser cutters or hand looms, which I currently cannot afford, and fantasizing what I could accomplish, if I had one of those. Still, lack of some devices is actually promoting creativity, because you have to look for other ways to accomplish what you want. So, it's not necessarily a bad thing. What I was always looking for in rejected materials bound to landfill was their potential for transformation.