Well, you have touched on a couple of things that are near and dear to my heart.
First - Kids are the absolute BEST. I highly recommend them. If you wait until you think you can afford them, you will never have kids. Leave it all up to God, and He will provide. You always seem to find a way when it comes to the kids.
I’m taking this a bit off topic, and I apologize, but there are a couple “pet peeves” of mine that are indirectly related to the OP question.
If you have marketable skills that will translate well outside of a metropolitan area, then by all means consider moving. The problem is that most people need to live near cities and large suburban areas due to the location of their employers. Most employers need to consider the size of the population where they are located to draw from a larger talent pool to get the best qualified people for their company. This causes the employees to look to live as close as affordably possible to the employers.
Unfortunately, this causes housing prices to skyrocket the closer you get to major cities. I personally commute nearly 4 hours roundtrip (2 hours each way) every day to get to work. I have a nice home, but I couldn’t really consider moving closer to work. My house would currently be valued at $450k, not considering that I bought it nearly 20 years ago for less than half that, but you get the idea. The annual taxes local municipal & school are over $10k per year.
This is the price you pay to live “close” to a city. I envy (strong word) those who do not have to significantly commute to work, and those who can live comfortably away from the cities.
This leads me to my other pet peeve, and you folks who live in or near cities will know what I mean. Our politicians are constantly concerning themselves with the “middle class”. The problem with that is the definition of “middle class” varies based on where you are located, and varies it greatly.
A person making $100k on Long Island (a major commuter location to NYC) wouild most likely not even be able to afford to buy a house. The cost to commute to NYC would be an average of probably $350 per month just for the ability to get to your job. This $100k person would be considered lower middle class.
Whereas, a person making $100k in Lincoln, NE (not picking on Lincoln, I’ve been there, and enjoyed it) would certainly be much more well off than the person living near a major metropolis making that same $100k. The definition of middle class needs to vary, and not even by state, but by county and locality. You cannot lump all the “missle class” into one pot and think you have a cure for them all.
I apologize for taking this a bit off topic, but I feel this is important, especially if the OP has the ability to translate their skills to a marketable position which is outside the major metropolitan areas. Unfortunately, many people are “stuck”.