In my extended family and high school network, nearly everyone in my age group who had a kid in their early 20s has been on welfare or other assistance at some

In my extended family and high school network, nearly everyone in my age group who had a kid in their early 20s has been on welfare or other assistance at some point. The financial stress ruined a lot of those marriages. And it doesn’t scale, since someone’s taxes paid for all that support. Waiting a few extra years for financial security is not selfish. Having children without building up some assets to ride through a financial crisis or bout of unemployment is selfish.