What do you think drives it?

Here’s a trend that’s been bugging me lately. In my friend group, the people who can easily afford kids with solid incomes, savings, no money stress, are the ones choosing not to have them. Meanwhile, friends who’re tighter on cash, barely making ends meet, are having 2-3 kids without hesitation.

And it’s not just my circle, this pattern plays out globally. Wealthy nations like the US, South Korea, and Japan have birth rates plummeting to record lows. But regions with lower economic development, like parts of Africa and South Asia, still have way higher fertility rates.

It’s counterintuitive, right? You’d think financial security would make having kids easier, not less appealing. Is it because stable people value personal freedom or career goals more? Or do they overthink the costs (tuition, childcare, etc.) while others focus on family first? Why does more money often mean fewer kids? What’s your take on this weird trend?

#Letschat #Asklemon8 #FinancialHealth

2025/12/7 Edited to

... Read moreThe question of what motivates financially stable people to avoid having children is a complex issue influenced by social, economic, and personal factors. One key aspect is the value placed on personal freedom and career advancement. Those with solid incomes and savings may prioritize education, travel, and professional growth, viewing parenthood as a potential limitation to these opportunities. Furthermore, financially stable individuals often have a heightened awareness of the costs associated with raising children, including tuition, healthcare, childcare, and general upbringing expenses. This financial caution can lead to deliberate family planning or choosing smaller families. Conversely, in less economically developed regions, higher fertility rates persist despite financial challenges. Cultural norms, societal expectations, and limited access to contraception often contribute to larger family sizes. For many, children are viewed as a source of support and security for the future, especially where social safety nets are weaker. Another important factor is the influence of societal structures in high-income countries, where the cost of living is higher, and where work-life balance can be more challenging to manage with multiple children. There is often increased pressure to invest heavily in a child's education and wellbeing, which may discourage larger families. Additionally, the decision not to have children may also be linked to environmental concerns and a growing awareness of overpopulation. Some financially secure individuals choose to limit family size as part of a commitment to sustainability. This global pattern reveals how financial stability changes perspectives on family planning. It does not simply reflect the ability to afford children but also incorporates lifestyle choices, cultural values, career goals, and broader societal trends. Understanding these multifaceted reasons helps explain the paradoxical trend where wealthier individuals often have fewer children, while those in lower-income environments may choose larger families despite financial stress. Ultimately, every individual's situation is unique, and these trends reflect broader societal changes rather than universal truths. Open conversations about the challenges and motivations behind family planning can foster better understanding and support across different communities.

22 comments

Kelly J Erickson's images
Kelly J Erickson

Maybe you're looking at it backwards. Kids are very expensive. When you have kids, you need a bigger place to live, which costs more. Food, utilities, clothing, toys, school supplies, travel, child care, everything costs a lot more than when you don't have kids. So it isn't that financially stable people choose not to have kids, but not having kids makes them more financially stable. Also, women who have a higher education level tend to have higher level careers which they don't want to give up to have kids. And education and a stable career gives them access to things like birth control. Having kids tends to make women less employable. Employers are more likely to promote women who don't have kids because they won't be taking extended leave when babies are born and are less likely to miss work due to family issues, like having to stay home when a kid is sick. Women with kids get stuck in low level, lower paying jobs. So, having kids is what makes families financially unstable. Not that financially unstable families choose to have kids.

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Dennise's images
Dennise

Kids are expensive.

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