I’m Gen X with 4 kids. I’m frugal and did work part time with nearby grandma care 2X/ week for 10 years. Also married which of course is key. I will say that even the cheapest 4 year in state public universities for 4 kids adds up to a cool half million dollars. It’s daunting and a lot of saving but we did it (thanks to a great stock market from 2010 til 2020).
I’m glad I had 4 kids. Wish I had had one more maybe. I’m also a Christian which is a key point here I think.
Yes, I had four children. One more would have been very welcome.