New immigrant/less wealthy women lose less money by deciding to have children than wealthier women (historically white due to distance from equator effects). T

New immigrant/less wealthy women lose less money by deciding to have children than wealthier women (historically white due to distance from equator effects). The wealthier you are, the more financial sense it makes to have zero children. Until the government decides that subsidizing families is worth doing until the population pyramid is stabilized, every wealthy subgroup will experience decline (except the practicing religious subgroups of those).