100%. The mindset is everything. 100 years ago, if you picked the happiest 18-year-old woman in town, someone from a great family who was cared for, and never victimized by anyone, and asked her “are you sure you would like to sacrifice your opportunity to spend 4 years in a very expensive school and go get a job and work 5 days a week for the next 40 years, in order to bear a few children?” She would look at you like you were from Mars.

Today, both sexes are, for good reason, afraid of sacrificing any “work years” just to have kids, largely since costs have now become so high that doing so on one income is punishing. Even if you make $250k, which would be enough to live a great lifestyle as a single person, if you have a family and only one parent working, you have to live a lifestyle that much more resembles someone who makes $90k. (Divide those numbers in half for non-high-cost areas, result is the same) It’s probably worse if you are truly saving up the absurd amount of money that college is going to cost in the future (I’m not).