| don't forget education is expensive, and quite a few have received funding in predatory lending ways where the debt cannot be discharged in bankruptcy without even receiving the degree. you need to marry, be debt free, and have a down payment (20% of 700k is 140k down) for a house to have kids. Kids need to happen before 35 for your wife; mortality increases greatly after that. You need 2 with modern medicine, or 4 children without for one to make it to 18. These are all very known quantities. If you can't make enough to cover your expenses and enough for 2 others you can't have kids. Couple that with the job market, education, debt, and all the other unlivable things the silent generation didn't have to deal with and that's why we are where we are. A lot of people aren't having kids because there are no incentives; you bear the cost. Its stupid, but that is the world we all have created over the past two generations. Through inaction or action. Personally I'd like to have kids but just like everyone else, the economics just isn't there. There's also the general unlivable coercion that's everywhere nowadays. So a lot of people are choosing to be the last generation of their family line. That's not even touching things that will never likely pay out a benefit by the time I get to the age where I can use those programs. It has no funding after 2032 or something like that. |