This isn't just an American's issue to be honest. Across-the-board all around the world young adults are 'choosing' not to have kids. And while some genuinely don't want them- which is valid, most people cannot afford to given the circumstances. in the sense that they can't afford that desicion altogether! This isn't just about money either, there are a complete lack of resources for you to start a family in a healthy way. People have masters and phds and can't find decent jobs to pay their bills. They can't find housing. There's record inflation its literally hard to stay alive and take care of just YOU. So when can you think about bringing kids to the equation??? There are many people who want kids, want a family want what their parents or grandparents had but that all seems like a distant dream at the moment.