When I look back now and look at today I see that today if I was young I likely couldn't afford to have children until I was at least 45 and successful

  "The older you have your children the longer you will tend to live" is a true statement on many levels.

And if you look around the world, especially at places like Japan and S. Korea and China where people are not even replacing themselves with such a low birth rate this is a part of what is going on.

The people's quality of life so drops when they have the expense of Children that is sucks any joy or happiness out of their lives struggling to raise children in this world economic era. And this isn't just true here in the U.S. now but also worldwide.