I dont know how eeryone is doing it, but from looking around at my kids friends, I see upwards of 50% and closer to 75% of couples in Lakewood, whether one or both spouses work, whether the work is part time or full time, whether the husband is learning or not, owning a house once they have 3 kids. (In my case- both are working at the present time, but despite having secular educations, arent doing well, because of the economy, like many others).
How do others do it?
Signing up for HUD at age 16-18. That way when the 10 year waiting period is over, you will be ready to buy.