- Sep 4, 2005
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I think often times the "it's expensive to raise kids, were not financially ready yet" argument is one people who don't actually want kids use to get their parents off their back when they ask "when are you going to settle down and give us some grandbabies???" lolProblem is, that doesn't actually get people to make more babies. As I pointed out, it actually does the opposite.
Birth rates by income level would suggest that there's a weak correlation, and it's actually not in the direction people would expect if cost was a concern.
births per 1,000 women
Me & my GF are in that 150-199k household income bracket at the bottom of the graph, I got snipped back in my early 30's lol. Income was never an issue. For me the "having kids is the thing you're supposed to do" wasn't all that compelling to me. We don't dislike kids, we just don't want any. We both have the luxury of being able to work remotely most of the time, and when we decided to pick up and do the "nomad" life for 6 months and stay in random places, we were able to do so because there's nothing tying us down.
It's only matter of time before one of my idiot brothers has a "whoops" moment and has a kid. I can be the "cool uncle" who gives awesome birthday presents and helps them with their college fund, while having to do none of the puke and poop cleanup tasks.
The reality we don't need more people being made to keep the Social Security program in tact...
2 simple changes could be made. Raise the SS tax cap from $168k to $250k for the yearly income amount, and make it means based where social security benefits are paid out at their current amounts for people with net worths from $0 to $250k, and the amount you collect tapers down to 0 at a $500k net worth.
We need to start taking a pragmatic look at these things. Just because someone is older doesn't mean they should be immune from the same criticisms & evaluations we'd give a younger person who was in their same financial position.
If there was a 27 year old who wasn't working, but owned a home valued at $450k and had $600k in the bank, and said "I'm not working, so I need you to send me some money", our immediate response would be "uhhh what?!?! Dude, sell that house and downsize and cut out all the vacations and bus trips to Atlantic city" before we'd consider giving them a dime. But you replace 27 with 67, and then all of the sudden it becomes completely acceptable.
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