A downpayment in the most exepensive place to live in the nation, but of course, given the massive income inequality in america! I'm super confused here. EDIT

A downpayment in the most exepensive place to live in the nation, but of course, given the massive income inequality in america! I'm super confused here. EDIT: How is 30-40k/year not enough for a child unless the child is special needs with bad healthcare?