Agreed to all of this. And I would add that if you fix the cost of housing I bet it would go a long ways towards helping fix the fertility problems.

Most people don't want to raise a kid in an apartment. I know my wife and I refused to have kids until we got a home.

The delay quite likely meant the difference between 2 kids and 3 kids (we had the 2nd kid when she was 38, so we were out of time).