[Apocryphon]

> it's a severely lacking explanation as people who are poorer and have gone through extreme hardship prioritize family and having children far more regardless of their financial status

I think that's possibly attributable to people in lower socioeconomic conditions reacting to economic pressures in different ways from those in the middle class. Meaning, those from middle class, white collar professional, college-educated families are more driven to try to preserve the status and conditions they already have, and would optimize decisions based on that. So rather than risk financial hardship and becoming working class, they choose to optimize for education, career, financial stability, and delay starting families.