I guess I have 2 small ones. They have hair all over their bodies though, and even the 5-year old still walks around on all fours. Neither can talk yet, just make loud short sounds when they get excited. The younger one is obsessed with tennis balls and frisbees.
Yeah I said all debts combined which normally includes housing. So servicing of all debts + housing is generally considered to be “acceptable” below 30ish% of gross income by the actuaries and creditworthiness mathematicians ;p