re: "Having kids in the US is a scam"

I think the biggest expenses (insurance, transportation, housing, healthcare, education) have grossly outpaced wage growth. While modern consumers do waste more money on purchasing luxury goods, particularly conveniences (such as food delivery), the growth in those major expenses vs wages tells the real story. Bad spending habits aren’t helping, but they’re like a percentage fault accident where the driver was 20% at fault and the semi-truck driver asleep at the wheel was 80%.\