If you work in software in the US, you really have no financial excuse not to have kids. I own a house, have a kid and exist on almost a single income in the SF Bay Area. And I don’t work at a company you know about. I make about median wage for the area and had no parental help for college or my home.

If you don’t want to have kids for any other reason, that’s valid. It’s a ton of work and requires insane resilience. But money is certainly not it, not for SWE.