it doesn't make sense for poor people to have them I would speculate that the disincentive is larger for wealthier people. A lot of child-related expenses are

it doesn't make sense for poor people to have them I would speculate that the disincentive is larger for wealthier people. A lot of child-related expenses are for positional goods (house in a good school district, saving for college) where the price is basically "all your spare income". So if you're rich having kids means giving up awesome vacations and the option of retiring before 50; if you're poor those things were never on the table.