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Fertility rates get cut in HALF by 35.

Fertility rates get cut in HALF by 35.

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Something around $5,000 would be a typical cost of childbirth, with some of that covered by insurance. After that you need to feed & clothe them but from my experience that doesn't cost much. You're already paying for shelter. Childcare is usually the largest cost, it can be negated by having the mother stay home. And cultivate a close-knit family unit with grandparents will support that effort.

You forgot school tuition and relative private lessons for hobbies.

True, I'm not there yet in life so I don't have a baseline. Right now it seems like a small concern though, there are always cheap hobbies and home school if it comes to that.