I guess it depends if you have a maximum number of kids your planning on. But a family of four is pretty likely to stay put for at least 10 years which should be long enough to iron out any short term fluctuations in the market. I’m not overly worried by the slight dip in valuation since I bought my last house because a) I have somewhere for my family to live that is secure and b) whenever we do eventually sell the capital will cover the next house.