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That's a great creative example, except that she has a lot of options with her $75k/yr salary to afford kids.

In your example she's making an absolutely terrible financial decision to spend 60% of her income on housing--rent, no less. And that is apparently inflexible.

I wonder what percentage of children is raised in homes making under $75,000? I would venture a huge majority in America, and approaching 100% when you account for the whole planet.