On stagnated wages they're likely thinking of WTF Happened in 1971 (https://wtfhappenedin1971.com/ https://wtfhappenedin1971.com/) where productivity/wage growt

On stagnated wages they're likely thinking of WTF Happened in 1971 (https://wtfhappenedin1971.com/ https://wtfhappenedin1971.com/) where productivity/wage growth detached from GDP. On credit card interest, per Forbes this week (https://www.forbes.com/advisor/credit-cards/average-credit-card-interest-rate/ https://www.forbes.com/advisor/credit-cards/average-credit-c...) the average APR is 24%, indicating that there are rates above 24%, potentially well above. On childbirth, don't forget the tails as the distribution shifts. 25-29 isn't too late, but as the average age increases you're raising the risk of various issues and you're going to have more people in "too late" side of the distribution. Add in egg-freezing and IVF turning out to not have such a success rate as predicted, you can wind up with a lot of disappointment. OP is being rather... histrionic, but it doesn't do to overcorrect, either.