In general, these are just different goals in life. If you want a house and kids more than you want the freedom to travel, that's cool and pretty normal. There's no stone tablet handed down from the skies that says that has to be the way it is, though.
When I was 23 I saved a few grand up and went hitchhiking around Europe on a budget of something like < 500 eur a month.
I didn't care about my base income and still don't. I think most people accidentally structure their life so that the 9-5 becomes necessary (e.g. if you rent a room in an expensive city, or a flat or house, now you need to pay for that).
The income is a means to achieve the things that you want. If you can't X because Y, and you want to X, then give up Y, not X, find a different way to do X.
I have a mortgage now, but I didn't bother with it for the longest time for precisely the reason you'd described. It locks you down. I waited until I was sure that it _wouldn't_ lock me down because I could really afford it (i.e. it's not 50% of my income from a full time job).
If I'm being charitable, I had the advantage that I could move my belongings etc in to my parents' house if I wanted to. They're pretty poor, probably in the bottom 20% in the UK, so that's not some fantastic privilege.
If you have fuckup parents (not just poor but failed in some way), then yeah, this becomes a lot harder, and I'm sorry about that.
Beyond that, if you couldn't find a way, then it's just not your priority, ya know?
Russian blokes from mining towns can afford to travel third class on the Trans Siberian, what's your excuse?
And I'm sure we'd have fun too!
Just to clarify, this suggests that your parents earn total around 16000 a year, pre-tax [0]. Perhaps your guess was accurate, and they really do - but I also find that the average person is normally wildly off in their estimates of the UK wealth distribution. A few thousands more a year would already place them in the top 50%.
[0]: https://www.gov.uk/government/statistics/percentile-points-f...
My parents are seperated, both lived in social housing at that time.
In 2022 they earn approximately 16k between them. Think minimum wage 20 hours a week, that's the ballpark.
I looked at the table of individual taxpayers income. For the relevant years, my mother's income was actually probably closer to the bottom 10% :)
There is a skew here in that you need to pay tax to be included in the table at all, though, hence 2018-19 having 1% set at 12,100 because that's the income tax threshold.
The percentage doesn't really matter though, basically what I'm saying is that like, it's useful to have a place to dump your belongings. That can be a parent, friend, whatever. It's a social capital thing more than it is a monetary thing unless you own tons of stuff and are unwilling to part with it.
The opening of "It's A Wonderful Life" addresses this directly. It was undeniably George Bailey's priority, but even the "golden billion" aren't free from obligation(s).