It is good that you could afford it and had that opportunity available to you. I teach in a very rural area and a very economically disadvantaged area. for most of the families in my area neither of those is an option.
“Afford it?” Your priorities are skewed toward having that new car every two years and the like, I think. Many families hereabouts homeschool who earn less than 30k. One family in my parish has got all four of theirs trained on musical instruments along with all the academics. There is one income and it is less than 40k. They drive a 6 year old car and do not spend on big vacations. Priorities. People who think that children are ancillary send their kids to public school or, if affluent, perhaps to private school. People who think that raising their children is the highest priority do not condemn them to public school. The parochial schools here are largely populated by nonaffluent families. People who protest they cannot afford to keep their children out of public school tend to have their heads stuffed to their waists into the cloaca of credit card debt and the like - ‘stuff’ is more important than progeny.. And that big mortgage- is it really a higher priority to have a classy house than to educate your children? Is raising a dependent socialist next generation really worth the material gains you might forego in teaching them real academics and morals and principles?