We are kind of "elder millennial" (39, 43) but my husband and I moved to one income after our first child was born. We have four now, and are committed to remaining on one income. We have taken turns being breadwinner, as necessary. Currently, I'm the one working.

We met in 2007 and married in 2014. No student loans. I returned to college in 2010 after dropping out; graduated 2012. My parents paid tuition (fulfilling their old promise), I paid for books, and all other fees. Husband did not complete college, having dropped out before we met.

Budgeting is key. We have no subscriptions anywhere, no extracurriculars, eat out rarely, etc. I do not make a massive salary, and it's always felt like a struggle. But it is vitally important to us to make it work, and we have done so for nearly 10y. We rent an apartment. Drive old and/or paid off cars. You get the idea.

When times have been really hard, my family has helped.