Expense, lack of affordable housing
20 years ago I had my first child and within 12 months I had a 3 bedroom housing association home, which I'm still in. I went onto have 3 more children because I was able to stay home with them whilst my husband worked. We easily survived on one income, with affordable rent.
There's no way on earth if I was 20 years old now I would be able to get afford housing or be able to stay at home and there would be no HA properties available.
I would probably have 1 child.