> Money is typically the criteria used for "if you can afford it".

I would dispute that and say "spending money" is the criteria used for "if you can afford it".

Income means nothing if you have to spend it all just to live.

I doubt the average American has has much spending money as people from Developed countries.

It would be nice if you were less vague, so we could have a reasonable conversation about cost of living, incoming, savings, disposable income, et cetera.

As it stands, you've provided a dearth of information.