If you ever have the opportunity to talk to someone who makes about $150k about why they can only afford 2 kids, it's fascinating anecdotal social science
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Daycare is unaffordable. Why? Because their mom isn't the type of lady who babysits their kids for free and their requirements for daycare are stringent enough to cost more than $1500/month.
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And the marginal cost of having more kids with a certain lifestyle is so high that it's almost worth putting that money into "improving" your existing kids in some way
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I feel like these people are the ones that are really screwed by the conventional wisdom on the value of education vs innate cognitive ability
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And of course the biggest factor of all which is the opportunity cost of staying home from your shitty project management job
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In short, there really isn't a substitute for religiosity when it comes to increasing upper middle class fertility because it's not really a rational choice for these people to have more than a couple kids
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