Spend time with your family while you can, it won't last forever. Give your kids adventures they will repeat with their kids. Let them know they are important to you.
If you wait until you can be all set and financially secure, that day isn't guaranteed. You might never leave home.
For those who make it, good job, you've earned the right to enjoy it.
For others, pay as you go, make the most of your time while you can.
In the end, I just want to know whose turn it is to light the campfire :)
BTW, we love to see young families camping. Doesn't matter if they financed or paid cash. They are investing in their family. Surely to bring many happy returns.