Speaking for myself: ever-rising cost of living in western countries makes it scary to have kids. I’m only starting to contemplate becoming a home owner at 34, and it will take 2-3 more years until my wife and I can confidently go for it. By the time we have a solid ground under our feet, it will likely be too late (my wife is older).
I think this is very common analysis, and yet, there is likely never a point where having a kid becomes a financially sensible decision, hence we keep putting them off. The ground is never solid, my recommendation is go ahead and reproduce!
yes, indeed that is a different matter, however the poster I was responding to made the point of financial stability / security being the deciding factor so I was addressing that point
