The dream is only a decision away. Change happens in the moment of the decision.
I wouldn't call myself materialistic for buying my dream car in cash. I would only be spending a small fraction of all the income I'd be making.
However I would call myself materialist buying a car where all my money I am making is going into making car payments. When I can't afford to have a bad debt.
Good debt happens when you invest in yourself. Which is the best investment anyone can make.