In response to your comment about people looking at their finances before having kids...
Nobody should be forced to not have children because childcare costs are so extortionate. My son has been in childcare for a year, 3 days a week, in a small town, I pay £750 per month. We have been told we can't buy a bigger house because the nursery cost is seen as a 'risk' as it is far more than a mortgage.
It pains me monthly, but it didn't stop me from trying for a second baby. When this baby is born and I go back to work, we will be paying over £1200 per month for 3 days per week, and that's WITH funded hours. That's my entire wage, but I do that because it'll be what's best for them, and because when DS1 starts school, I will (hopefully) still have a job, rather than starting from scratch.
I moan about it, I struggle to come to terms with it, but I wouldn't allow it to stop me growing a family.
Being a parent is the hardest job I have ever had. Regardless of whether my child is in my arms or in childcare, your mind never allows itself to switch off.
It's all circumstantial. You have children, things change, it can be difficult, but it's rewarding.