It's not just housing. Subsidized daycare, cost of actually having the baby and so one also play into it. Effectively: if I were to have kids I know it's more o

It's not just housing. Subsidized daycare, cost of actually having the baby and so one also play into it. Effectively: if I were to have kids I know it's more or less a zero cost thing for me. Having the baby delivered, taking 6 months off work, then having the baby in day care from age 2 to 5 cost me almost nothing at all. I didn't have to consider my employment status before having a child, nor where I was in my career, or whether I could afford medical bills. Financially, it was a smaller "step" than e.g. buying a used car or moving. As it should be. It's a big enough step and responsibility without all the finance nonsense attached.