Having kids in your 30s is hard. In your 40s is even worse.mike wrote: ↑Tue Jan 27, 2026 5:45 pmAnd when they do eventually think they can afford a child or two, those children grow up even less likely to have kids, and in many ways lack the life skills needed to raise children themselves.
It's a downward spiral we are seeing across a huge portion of the world, and it's masked in some western countries by migration, often from the countries that are still experiencing population growth.
Your parents are too old to help with much, who also had you at age
40. You don’t have a lot of brothers and sisters to be aunts and uncles to help. You need to divide your time between taking care of a baby and taking care of elderly parents.
You need to go work hard to save up for college.
Vs.
A 20 year old is bursting full of energy and they always stay up late anyway. A baby doesn’t change much! Your parents are 40 and excited to help with the grandchildren. You have lots of cousins for your kids to play with. They mostly just play with each other and watch themselves.
When your kid turns 16, he’ll be helping you with construction projects in a meaningful way and be buying his fixer upper when he’s 20. Instead of a college fund, you’ll be providing a down payment.