Mammele – Chassidim are a completely different world. Chassidim also have no push to remain in Kollel indefinitely, as well as a strong financial support system from their specific Chassidus, as well as their parents (and working father). That certainly helps the young couple make it financially.
Juxtapose that system with that of the Israeli Charaidi, where until after army age it is difficult for the husband to work, and all jobs for women in a Charaidi environment are low paying (oversupply). If there were to be a mortgage, many of those couples would lose their homes.
Compare that system to the Lakewood system, where the boy demands multiple years of luxurious support from the girl’s parents as a condition to even consider her for a date! My understanding (from multiple sources) is that the girl working is considered to be insufficient, as the father must be the one who promises tens (and in many cases hundreds) of thousands of dollars for support of the boy.
As a Litvak, I’ll readily admit these are two ways that the Chassidim have it right.