What I meant was that I don't think any middle class citizen can afford to buy a nice couch outright, out of pocket. That's what I meant.

Sure, anything can be financed. My concern is that if I keep financing items for him, all on MY credit and in MY name, it's MY debt and if we divorce then it's ALL MY debt. But I am not going to do that to myself right now because I already have a bed and debt in my name.