Figure out some way to opt out of the insanity of American knowledge-work metro areas. My wife and I rage quit DC back in 2016 and bought a house in an exurban county. In part because the mortgage payment on our 3,000 square foot waterfront house begins with a “1” we had two more kids and my wife quit her job to start a business. Hopefully with remote work becoming more accepted that will be a more practical option for more people than it used to be.