Even if you reach that point, you're likely now at the age where fertility problems become a real issue.

If you want to have kids do it when you're in your early 20s.

> you'll never have kids

Which is also OK. It's financially smart to realize you don't have the resources and not have kids.

If {some subset of the government, rich people, people who control the economy} want more people to have kids, which is something I keep hearing from that class of people: They need to collectively figure out how to put more money into the pockets of people. Higher salaries, drastic tax cuts, cheaper housing, more people will be financially ready and more kids will happen as a result. Also, work hours need to be standardized at 4 hours/day per person OR costs of living need to be designed that 1 parental income is enough.