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Ironically in the US when you?re poor is the best time to have kids. In a lot of states you qualify for baby Medicaid even with a job. That pays for everything even complications. Compare that to busting your butt making 30k a year and if you?re lucky you have some piss poor medical coverage. But a lot of group medical plans don?t even have maternity benefits. Meaning you may very well have to cough up 10-15k for a normal child birth, and even if you do have coverage with the high deductibles/co insurance/out of network you could easily be out 7-8k. Not to mention all the stuff you have to buy for a new baby. Nowadays, it really does make financial sense for a young couple not making a lot to have the kids early on when it?s paid for by the government rather than years down the road when they are going to have to out of pocket so much money insurance or not. 2 kids in your 20?s when you?re not making a lot = free 2 kids in your 30s when you have a middle class income as much as 30k out of pocket with insurance. My wife had our first kid when she was 30 she was a state government employee and had a?Cadillac? insurance plan with a $500 deductible. We paid close to 3,000k to the Doctor and the Hospital for the deductible/co-pay/ and stuff that wasn?t considered reasonable and customary by the insurance company. This was 6 years ago. Keep in mind we were already paying in excess of $500 a month for the employee contribution towards the health premiums.
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