If you choose to live in San Jose or Frisco-Oakland or Boston-Cambridge or DC-Alexandria-Arlington or Denver-Aurora-Lakewood, you and your spouse will spend the whole rest of your life paying for your house, you and your spouse will have very little time for each other let alone a goodly crew of kidlets, and you'll never have much of a family life.
On the other hand, choose to live in KCMO or Dayton OH, or where we are, Tri-Cities TN, and you will pay literally 1/10 that amount for a decent house in a decent neighborhood, and for top quality schooling the parochial school is fine, or for maximum satisfaction, be a Mater et Magistra, have tons of fun and teach your own.
Because you can do it all on one salary.
"You pays yr money an' you takes yr choice."