[lotsofpulp]

> You wouldn't believe how many young people I've talked to who have household incomes in the $200 to $300K range who tell me they'll never be able to afford a house or to have kids. When you're immersed in doomer headlines you can lose track of the reality that people are raising families on much less than that all around you.

They know that, they just don’t want their kids to go to school with the kids in the bottom 4 quintiles. Also, I probably would have foregone kids if it meant I was not going to be financially independent by age 50. Incomes are too volatile, and healthcare too expensive to be in that age 50 to age 65 period where a healthcare issue or loss of employment can derail you forever.