If you can have a decent lifestyle in Ohio on 40k (big if, when you factor in retirement planning) you can still fundamentally never leave Ohio.
God forbid. Think of all the experiences you and your family will miss out on!
Lately all I want is to get as far away from people as possible. The internet has negated every advantage of these regions and of money broadly. You cannot buy a nuclear family.
Folks in Ohio still have trouble leaving Ohio.
And you can, to an extent, buy a nuclear family. Mail order brides still exist (and the arrangement can be beneficial for both parties). You can do this with the expectation of children, which you will pay for in the US. Alternatively, you can check adoption as plenty of agencies will make you feel like you are buying a child. (20k upwards, plus travel).
This is a snide remark, but it is absolutely a factor. I grew up in Michigan, and the number of people who never venture beyond their almost-entirely-white small town to see what other communities and cultures are like is a huge contributing factor to the amount of prejudice and judgmental nature that makes me never want to move back.
Seeing people different from you and different places is broadening and gives you a much better perspective to be able to understand the world. This is important in life as well as in your career.
my best friend had a complicated career trajectory that began with a music education degree, until he found out he hated teaching music to middle schoolers, then he decided to get a two-year online CS degree. this put him in a fair bit of debt as he comes from a very poor upbringing. he got married and moved to the D.C. area a couple years ago to work for a CRM shop there and while he loves the work, he hates the crime and bullshit of the Big City Life, and while he and his wife have gone from enjoying it to tolerating it, they're moving back here to South Dakota at the end of this year before they have children.
I wonder if, going forward, with the advent of remote work and the like, we're going to see less and less people who come from rural/suburban/otherwise sub-100k-population cities choosing to either move back to areas like those they grew up in (if not where they grew up specifically) instead of migrating to The Big City to Make It Big, for these exact reasons. there just doesn't seem to be much to gain from moving to The Big City anymore, if starting a family is your ultimate goal in life.
Major life regret? Thinking other countries didn't exist when I was at the age to enter college and taking on massive loans to pay exorbitant US tuition for a school that wasn't anything special when I could have found overseas options at a fraction of the cost.
Sure, NYC/SF are super expensive, but almost every urban area is when compared to other smaller cities or rural areas.
The issue is that for a lot of people they can only find an ok job in the major urban area, but it's not enough to live there so they get stuck in the suburban wastelands with 45+ minute drives just to go work 8 hours.
They make enough to get by, but not enough to save and move out to a more desirable living situation in a smaller city or rural area without a secure job lined up.
Like $20 an hour is good in Toledo, but it's probably not what most people are making. That's probably a job you have to work up to for years. At $20 an hour in Toledo you very likely can have a higher quality of life then people making far more in the much larger metro areas. But at $10 an hour ($8.80/$7.25) in Toledo area you're probably worse off due to a lack of public support and opportunities for advancement.
This is beside your point but HN is such a coastal bubble that I always feel the need to chime in with perspective when someone mentions my hometown.
Even more unfortunate is the widespread acceptance of the idea that you need to be successful to be happy/fulfilled.
I mean, in theory there could be acceptable ways to let a couple with babies have roommates. But the design problems alone seem too complicated to attempt, let alone the cultural problems.
Also, keep in mind that a young couple with kids might have only one income earner. And that couple is in the same apartment hunt with singles willing to share multi-tenant residences. Sometimes three or four of them!
Point being, "get roommates" doesn't scale over time or over the entire population.
No, just rent and share like a college student your whole life. That makes sense.