Each day on my walk to work, I pass by a couple houses for sale. They are on .25 acre lots, less than a mile from the beach, and likely to sell for about $250,000 each.

That is, uh, about 10% of the San Francisco cost or 20% of the general Bay Area cost. Salaries are more like 50%, and of course that also means a lower income tax bracket. Other stuff is cheaper too, like food and gasoline. Last I checked, the price of gasoline was about 50% of what you have to pay.

The finances work out fine. I have 11 kids.

At age 35, probably 2/3 of the childbearing years are gone. (could be all gone, could have another dozen years) You'd better hurry.