US - Where luxuries are cheap and necessities are expensive. Wages stagnant.

http://www.washingtonpost.com/local/happy-days-no-more-middle-class-families-squeezed-as-expenses-soar-wages-stall/2014/04/26/f4a857f0-7a47-11e3-b1c5-739e63e9c9a7_story.html

On a routine drive to the beauty salon, Robin Johnson had one of those life-happens moments: Her 13-year-old Durango, with 200,000 miles on the odometer, overheated and started sputtering. Convinced that the car was on its last legs, Robin and Scott Johnson scrutinized their already-tight family budget, looking for a way to fit in car payments.
The couple from Culpeper, Va., were already masters at scrimping.