Yeah, exactly that. Most friends I have in Canada only started to have families once they were able to secure appropriate-sized dwelling. Which didn’t happen until late 30s. And current generations possibly cannot afford it at all in many jurisdictions. And stories I read from back in the day were “a factory worker and a teacher bought and paid off a house in downtown Ottawa in 3 years” are just insane. If I had that kind of purchasing power today I’d have more kids for sure.