I never understood the hate on people becoming parents before they are financially ready. There is a reason why the demographic shift is happening. I was born when my mom was in her late 30s. My grandmother died in her 80s before I even hit 18. How exactly are we supposed to maintain a stable population in these circumstances?
Having children suddenly became unreasonably expensive but yet we pretend as if the parents are the ones who did something wrong if they have children before their 40s. The situation is basically a reverse tragedy of the commons. The individual is bearing the entire cost of having children but then gets blamed despite the fact that the public benefits from a stable population.