I've heard this over and over but don't see it anywhere around me (NYC, likely overeducated, doing fine but not wealthy). I know a lot of couples that have a k

I've heard this over and over but don't see it anywhere around me (NYC, likely overeducated, doing fine but not wealthy). I know a lot of couples that have a kid but face major financial constraints. Up and down the socioeconomic spectrum, it's expensive as hell to have a family, house and educate them, and that's a major part of the calculus for even moderately well-off families.