[tbirdny]

Yes, money is a huge factor. So is time. You need both. I see these major factors: housing costs, health insurance costs, and the two-income trap. The fact that both people in almost every couple must have a job just to survive and pay for housing makes it so that no one has any time. If couples could survive on a single income, there would be a lot more time to manage the home, support the family, friends, neighbors, and community. Those are social activities that few have time for anymore.