> When I see a family of 5 my first thought is "holy frak they must be loaded."

I had 5 kids in the 1990s-2000s economy.

I couldn't start out as a couple in this economy.

Over the last 30 years, rent went from ~$400/mo to ~$2k/mo. Most critical expenses increased similarly.

I now live with my adult kids because together we can afford to live.