I agree with your post.
If debt is actually a reason to abstain, then (with the exception of one amazing couple I know), *nobody I know *should be having babies, ever! lol I understand not wanting to be in debt and trying to reduce it, absolutely. But it seems to me that over the past couple decades a certain amount of debt is just a regular part of life for most Americans. Whether we’re talking HUGE gambling debts or modest mortgage loans, or credit cards, medical bills, student loans…
A little debt is OK, but bigger debt is such a burden. It saps energy, and one thing that you need is energy when rearing children. The world is a dark, scary place when you are in debt and one paycheck away from becoming homeless.
Some families can move back in with their parents, or with other family members. I think we’ll see more of this as the economy worsens. But for most European Americans, this is simply not the lifestyle that they were raised with, and it feels uncomfortable. I would NOT want to move back in my parents once I was married.
Often the husband, who is responsible for supporting his family, becomes totally overwhelmed and some men with tendencies toward addictions use alcohol, smokes, food, or even drugs to cope. Some men fall victim to the gambling den, and some seek relief from the unbearable pressure in various illicit sex acts (including porn).
With some men and women, the debt triggers whatever physiology inside that causes clinical depression. Clinical depression is a major cause of suicide.
If there is a good support system around, mainly lots of loving family members to help out and perhaps a good strong church with charitable tendencies, a couple can probably handle debt and many children. But all too often, a family lives away from their family and cannot move back because of their jobs (certain jobs are only available in certain parts of the U.S.–e.g., my husband cannot find high tech computer jobs in our city, which is mainly composed of manufacturing and service industries, not scientific companies). Without a support system, a couple really has no safety net and they may crash and burn.
Speaking of good strong churches–a lot of couples don’t have many friends because they are isolated in their poverty. It’s hard to go to church when your car is a clunker and doesn’t start half the time, and when you can’t even afford the gas money to drive down the road (and when you have too many children to fit in the required car seats in a small, affordable car).
Basically, what I’m trying to say is that debt is an excellent reason to avoid having another child. Raising children is a full time job, and it takes all the energy, heart, and soul that you have.