What makes you think I have a choice about having a family?
Because you gave cost as a downside of doing so, with no upside mentioned. So I figured they wouldn't want them,
I'm not sure why some would consider that the "can't afford" range. At $50K per year, I'm putting 20% away in savings.
35% is at the very top end of rent to income by most historic metrics, 1466/month and 50000/year is slightly above that. Bay area is super expensive for housing so that's not unexpected. It's not a disaster by any stretch and easy enough to make up in other areas, but the topic was that 50,000 means cardboard box, and your example rather than countering that is evidence for it.
Coincidentally enough (given you example) the three bedroom house I was renting last year, came to 16% of income - though that's counting a double income and it wasn't in San Francisco or even California.