No. What she said was she wanted "normal". Have you noticed how the poor people on tv have money for nice clothes and apartments. Basically she didn't want to feel poor. She didn't want her kids to grow thinking they were poor.
These reasons are unavoidable unless you have a lot more money, but they'll also just be added to the pile of debts you can't avoid anyway. So why not spend that liquid cash now, while you have it, rather then waiting for life to decide to screw you over again and take it away for no appreciable gain?