The middle is in an awkward position of higher quality everything for their children being within reach, yet not accessible without taking on significant financ

The middle is in an awkward position of higher quality everything for their children being within reach, yet not accessible without taking on significant financial risk – e.g. the kids might have excellent food, housing, schooling, etc but as a result the family would financially be walking a tightrope from which it can be easily knocked off should an unfortunate chain of events befall them. To try to work around this awkwardness and provide the best for their family while mitigating risk, this group is likely to wait as long as possible to accumulate resources to act as padding. Unfortunately it’s not a given that these goals can be met before time runs out on the biological clock.