I would say that a young couple needs to learn to live within their means and to make a budget. There is no magic money tree out there (Or if there is I’ve sure not found it). You can tell time just as well with a $20 watch and a woman can cover her hair with a scarf or hat (which my wife does).
The frum community has got to stop living like millionaires. That means starting with what can we afford and not what do we want.