You figure it out. It is no more difficult than it was in many periods of history and a darn sight easier than in most.
All the arguments are simply excuses as to why it is better have things as opposed to a child or several children.
Everyone has their priorities in life. Most people today have decided that having children, or at least more than one or two children, is not what they desire. It is not a priority.
Multiply that by millions of individual couples and the demographic trend shows as a declining population.
We want, but can’t risk financial problems.
If I were a lazy @ss with no assets or responsibility I could have several on the dole.