Childcare at 4,000 is upper quartile of expensive cities. You’ll find many places where it’s half or less of that price. Private schools at $50k a year are either going to be boarding or some of the more expensive country day schools. Even Sidwell, where Obama sent his kids, is cheaper than this.
And finally we get to university education. There are many schools with merit based scholarships. Treating living expenses as unique to college is also wrong.
Nothing is stopping a kid from getting a job in college!