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I know first and second hand that people do postpone having kids for financial reasons. It's also known that having kids earlier increases the number of total kids.
I agree with your bigger causes but I'm not convinced this isn't a factor on the margins.
I did it but I was sure I gonna get a younger wife so as to at least have two babies before I'm 40 and possibly the third one, just in case, before 40 too. My decision was purely based on one thing and that was that I wanted to be sure that my kids wouldn't need to struggle financially that I went through as a kid.
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