Based on the people I know, it's because they have student debt, they can't afford a house, they can't afford for one parent to quit their job and do full-time

Based on the people I know, it's because they have student debt, they can't afford a house, they can't afford for one parent to quit their job and do full-time child care, and the price of day Care is prohibitive. The only people who can afford kids are either extremely rich or extremely poor.