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I’m worried, though, what friends and family might think of us if we have another. Is it unreasonable or morally wrong to bring another child into the world when we are poor? I know people who think it’s wrong to have more kids if you can’t fully fund college 529s for those you have, but that seems a bit extreme. So where do we draw the line morally?

Anyone who says it's morally wrong to have kids -- tell them it's morally wrong for them to accept social security if they don't have kids.

Anyone who says it's morally wrong to have kids -- tell them it's morally wrong for them to accept social security if they don't have kids.

Yes, kids were the original Social Security. 4 or 5 kids can care for two aging parents (esp if mom and dad have little / no debt).

The collapse of family sizes (was that natural or environmentally induced?) dovetails completely with the rise of the social security state.

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