No. No mortgage. Work 5 years while young. Buy a property with a house already on it for like 150k. Have kids a few years later. Not possible?
Discussion
The problem is you have to live somewhere while you work. Rent in any city? 24k a year probably with a commute. Maybe you gross 80k combined, after taxes 50k, fuel, food, repairs, etc, maybe you save 20k a year, and 150k for any home with land is pretty optimistic, probably 250k is entry level for a home needing expensive repairs. Now you’re looking at 15 years to kids, 35 if you have your wits about you at 20, few do……