Money has been shown convincingly to not be an important factor. Please read about it for a while and you will quickly see that it’s a discredited argument, not least because poor people everywhere have always had more children. Also, fertility rates are falling everywhere, especially in countries that are becoming wealthier.
Eh?
> Money not infertility, UN report says: Why birth rates are plummeting
> Roughly 40 percent of respondents cited economic barriers – such as the costs of raising children, job insecurity and expensive housing – as the main reason for having fewer children than they would like
> https://www.aljazeera.com/news/2025/6/10/money-not-infertili...
Perhaps money alone is not a reliable factor, and there are certainly confounding variables, such as poor people having low access to healthcare including contraception and education about options and how to use it.
More important than money is economic security, the ability to expect a reasonable long-term access to a sound source of income.
Having to worry whether you'll be laid off next week and not be able to get new work, and have that worry be constant over a decade is a real discouragement to having children.
Having a stable situation in life is vastly underrated, and not easily measured by current net worth or income.