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Wife and I bought an apartment in April 2018, great deal, great rates.
The we had a kid in 2023.
We have a second coming in 2025
We need to buy a house, and have no idea how the fuck we are going to make it happen. We're not even that bad off, we both do pretty damn well, but we are about to be facing $4k/month in childcare, and even with the huge pile of down payment money we have saved, we wouldn't be able to afford the mortgage.
We still own our apartment though, which is better than renting. I keep telling myself "We will figure it out, people have done more with less", but man... If this was like 5 or 6 years ago we would have been living large.