To think it’s very hard to live in the uk without inheritance or family money?

All I know is that I wouldn't be in my current comfortable position without having had an inheritance which paid off our mortgage. It would be difficult if I wasn't working, and we still have to be careful about what we spend, but if I lost my job tomorrow we would be able to manage.
I have life insurance and of course there will be the house to sell after I pop my clogs, so my children will also have an inheritance.

There must be many millions of people living in the UK without family money or inheritance. Like previous poster, I have neither, DH has neither and none is coming. We are fine.

Plenty of people manage but yes it is harder than it was and living standards have dropped rapidly, with a widening gap between those able to rely on family money and those without.

Social mobility has gone backwards.

Today's living costs - and expectations - rely on both adults having a "decent" income. I think the problem is with your DH and your expectations of social mobility rather than cost of living and/or lack of inheritance

Home ownership via mortgages is actually a relatively "new" concept. In Europe most people rent. Years back in this country most people rented and often in shared buildings.....I'm not saying that's right but if you have one adult who can't/wont maximise their income then you have to forgo things like mortgages etc. and childcare....if he's the much lower earner than shouldn't he be saving you the childcare costs?

Our expectations are of a nice car - maybe more than one, foreign holidays, mortgaged home, latest mobile phones/gadgets streaming services. When actually our parents generation had none of those things and didn't expect them anyway and that enabled one parent to not work.....

I don't find it hard and I have neither of those things.

I think it depends on your lifestyle surely. I have no childcare costs, not bothered about a big house so I rent a little flat.

Nursery fees are temporary!