My wife and I are part of a younger generation whose culture revolves around NOT having children until all those things you mentioned are attained. The stress of even having a kid, let alone multiple, is not something we’re going to address until we hit financial security.
While that is all generally true, the status of most people in developed countries today is better than its ever been in history.
That’s what’s driving fertility down. People who have access to education, medical care, relative comfort and security have fewer children.
My wife and I are part of a younger generation whose culture revolves around NOT having children until all those things you mentioned are attained. The stress of even having a kid, let alone multiple, is not something we’re going to address until we hit financial security.
The subtext there is that you feel that financial security is something which is attainable.