By that phrase I was only saying they didn't have enough money to be at the stage where they could have whatever they wanted. You're looking a little deep into what was meant as an offhand comment to be countered by the next part of the sentence, you're focusing on the wrong bit
I personally think they live a fairly comfortable life by the sounds of it, I mean, I grew up (well, still growing really, only 20) in a comfortable lifestyle, but I wouldn't have considered us to have a luxury life when compared to some of my friends.