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The correlation between high-cost living and delayed parenthood is glaring here. Washington D.C. leading at 13.6 and NY at 10.5 isn't just a lifestyle choice; it's a financial necessity. People in major hubs spend their 20s and 30s battling fiat inflation and aggressive housing costs just to achieve baseline stability. By the time they can finally afford a mortgage and a nursery, they are well into their 40s. Turns out stacking sats is the new prerequisite before stacking diapers.