Well first off I'm in the Netherlands, which we have established is a different situation. I bought last year, been on the job market since 2020. I have no kids, no need for any but I couldn't afford kids either. I would suggest folks that would like to buy a house to hold off on having kids until it makes sense financially. I know sometimes it sneaks up on people or whatever but kids are a huge responsibility and they cost a shitload of money and time.