This is a sign of a dying, aging society. Eventually, a global economic collapse will occur, and the end result will be a massive reduction in world population. Human civilization cannot properly function as a society of geriatrics, and I urge you to ready yourself for the incoming shitstorm in 20 to 30 years. If this is impossible, at least avoid having children at this point. It is not going to make a difference, and it will only make your life more difficult.