[ok_coo]

To echo this statement, I wasn't financially stable until ~35. We still do not own a home/condo and I'm not sure it's going to happen at this point. My spouse and I may just move in with family to split costs and live cheap.

To be fair, I also didn't have any social pressure from my family to have children and since my gf, now wife, doesn't want to have any children either, it just worked out this way.

TBH, at least in the U.S., I look at my relatives and how expensive day care, etc. is, I don't know how they balance their budget.

[souprock]

They balance their budget by skipping the expensive day care. There just isn't any way for a normal person to get day care for a family. It isn't even legal for a day care to have the same adult-to-kid ratio as a family can have, so you'd be paying multiple adults to do the job of one parent. If they get normal pay, then the parent must earn much more than normal pay.

[lotsofpulp]

The most strict ratio requirements I've seen for daycares is 4 kids to 1 adult (7 kids to 2 adults in Massachusetts) for toddlers and younger.

[souprock]

3.5 kids per adult then.

So for just 3.5 kids, you'd need to pay 100% of a salary plus all the extras of running a business. (insurance, legal, finance, advertising, sewage, electricity, food, toys, etc.)

Given the overhead, you'd expect daycare for 2 kids to consume the working parent's entire pay. For a low-paid parent, just 1 kid might consume the entire pay.

Obviously that isn't viable. I know a handyman in Massachusetts who had at least 11 kids. It's perfectly legal for his wife to care for 11 kids.

[lotsofpulp]

Were all 11 kids under the age of 3?

FYI, it takes differing amounts of attention and work to care for children at different ages.

I don’t know if you have ever cared for a baby, but I have with a ratio of 2 kids under 3 years old and 1 adult (myself), and I don’t even know how people at daycare do it with a 4 to 1 ratio.

[souprock]

I have 12 kids, with one more to be born this summer. The 4th and 5th were twins.

Babies are not difficult. Teenagers are difficult. I have experience with both.

[lotsofpulp]

I think it’s safe to say you are an outlier if you can handle more than 4 infants or toddlers at once, either in terms of skill or acceptance of lower standards in levels of care.

[lotsofpulp]

>TBH, at least in the U.S., I look at my relatives and how expensive day care, etc. is, I don't know how they balance their budget.

I imagine most people are not sufficiently saving for retirement, and/or don't have sufficient savings for emergency (medical/loss of income/disability/legal/etc) expenses either.