I think you are wrong saying that money and Schools etc. are the reason we are not having children. That study even said that the better educated have an even lower birth rate. The poster I quote below hit the nail on the head.    You're exactly right, kids will get in the way of these people having fun and living life to the fullest etc. etc., money has nothing to do with it. It's among the poor that has the highest birth rate. I'm not saying it's the reason for everyone, but I would in turn that you are wrong if you think there's no correlation. People may choose not to have kids because they want to live the high life, but for those of us that do choose to have children, money definitely plays a part. We'd have another child if we thought we could responsibly provide for it and educate it as well as it's other siblings until it was ready to leave the nest.