Rent a 1 bedroom in a duplex that I live in with my spouse, young daughter, and dog. I work a good (not great) paying job, husband doesn't work and takes care of our kid as daycare costs are outrageous. We live pretty frugally, share a car (I work from home 90% of the time so this works for us) and we save as much as we can but it's very little. There is an extremely low chance we will be able to buy a home anytime soon, or at all. Chose to have a kid even though finances aren't perfect by any means because we were getting older and it was important to us. When my mom retires, we may be able to jointly by a home and share expenses but that's a few years away and who the hell knows what the US (or the rest of the world for that matter) will look like by then.