The second thing you've heard is wrong. If you give people resources conditional on them having children (e.g., free child care), they will of course on the ma

The second thing you've heard is wrong. If you give people resources conditional on them having children (e.g., free child care), they will of course on the margin have slightly more children. But it's a mistake to interpret this as "financial precarity" causing reduced fertility, because if you give them more unconditional money they have fewer children.