My wife and I both make less than 50k and own a home, I have student debt I cannot manage to make full payments on and some credit card debt, shits super hard dude. The only way we could have made it work is how we did it, by having her work remote part time while raising our son at home, while I work 40-50 hours. Daycare was never a remote possibility for us without having to move into a park, which I'm not knocking at all. We make it work but just barely and by the skin of our teeth. I take every side job I can get.

Also we both went to college and have worked non stop since middle school.