> But who's financially secure at 25?

This is where free daycare, and support from the government helps.

(And yes of course it's not "free", it is paid for from taxes, people are so smart to point that out.)

Different countries have different incentives, but I was really pleased with the setup in Finland when we had our child. A free box of first-clothes, daycare from 1-5 years old cheap enough that it was almost free, and preschool at 6 before schooling started at 7.

Lots of minor perks, such as free transport on busses, trams, etc, if you were pushing a stroller, and so on.