My partner and I are both 26 and haven't got any debts at all yet, but ats only because we can't afford a mortgage for a property in our area (average cost £160,000).
We're both on reasonable salaries for our age but everyone else I know, especially the ones that don't work, always seem to have more money available to spend.
I started thinking recently that I don't earn enough to maintain a Supra, even though its only an NA. I came to the conlusion that everyone else on here must have high profile jobs earning several times my salary to afford all the mods.