For Photos the lazy route is to just pay Hetzner 5$ a month for 1TB storage and Nextcloud
https://www.hetzner.com/storage/storage-share/
(I tried this for a month and loved it, decided to then host myself)
The not lazy route is to host Nextcloud yourself, but because it’s important thigns like your family photos, you need to be sure your backups are solid.
I bought myself a Hardkernel H4+ and will be setting it up as a NAS with Nextcloud
Do you have backups in place if your house burns down?
That’s the problem I’m looking to solve for myself right now.