[zelos]

You might be surprised at how much family changes things. You have to factor in:

- Assuming two working parents initially, either lose one salary or pay >$1000/month on child care per child until school (unless you're lucky and grandparents live nearby)

- Larger house, larger mortgage. In the UK at least, you probably end up looking for one in the catchment area of a good school which means even more expensive, or go private which is a lot more expensive.

- Kids are just expensive. Clothes, book, activities, clubs, holidays, books.

- College/University fund

[adrianN]

And yet a lot of plumbers, bus drivers, cashiers and people with other jobs that pay a lot less than whatever a software developer gets successfully raise children.

[derefr]

Those jobs still exist in large numbers in places with low costs of living. Programming jobs generally only exist in places with high costs of living, where someone with any of the jobs you listed (except maybe plumber; those folks make bank) would be struggling to get by, and wouldn't think it was wise to start a family.

[wolfgke]

> You might be surprised at how much family changes things.

Every expensive hobby that you start probably changes things a lot. Starting a family has the disadvantage that you cannot simply stop it if money starts to lack.