My wife and I make okay money in a middle class area, but, due to a combination of good luck, and contrived to circumstances, we recently got to watch a college football game in the stadium’s super executive corporate sponsor level suite. It was awesome. Open bar, amazing catered food, and people networking all around me who are clearly in the c-suite of their respective companies. I had a list of crazy things I was going to say if someone asked me what I did, but it never came up.
Depending on their circumstances, they might already have the new roof too. Or more likely they bought the vehicle with a minimal down payment and stretched the loan across 80 months.