Your reality is not mine either. Maybe your son and his friends actually live in those cities, more likely they live in suburbs. For me and my wife, and our friends, we loathe a soulless suburb (no offense to CFord but a gated golf community sounds like my personal hell). For us, it was still difficult to have 2 kids in the city, and almost cost prohibitive despite 2 doctor salaries, so we moved back to NC. Not ideal, but we did it for our kids. This balance is the trade off for people in our generation. Either have kids, and move off to the suburbs or enjoy the cities and stay renting and childless. My brother is a physician in his early-mid 30s and he still has not bought a house or had kids and mostly due to cost (Trump fucking around with PSLF doesn’t help this either)