Not every place in the US is ridiculously expensive. The median price of a home is $200K (https://www.cnbc.com/2017/06/29/what-the-median-home-price-o...) and anyone with barely passable credit can get an FHA loan with 3.5% down. Most lenders are going to be wary about you having more than two car notes.

I could own 3 extra cars, for less than the cost of daycare for one child.

The average cost of child care is between $5000 - $15000 a year (https://www.epi.org/child-care-costs-in-the-united-states/)

I could own 3.5 extra cars, for less than the cost of health insurance. Cars are pretty cheap, all things considered.

The average cost of family medical insurance is a little over $14K (https://www.ehealthinsurance.com/resources/affordable-care-a...)