This is a real thought process people are contending with. There's also just the simple fact that kids are liabilities more so than assets. That's not been the case through most of human civilization.

I wouldn't limit it to economics either. Socially children are restricting. If you want to be free to travel, move, leave the house on a whim, etc. then kids will interrupt your plans/logistics.

Appreciate you putting it bluntly.

I've found having children the most rewarding thing to have done with my life. And even so, you are right about the costs. "Million dollar baby" is not just a catch-phrase.