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Share your dilemmas and get honest opinions from other Mumsnetters.

Don't have kids you can't afford!

895 replies

user793847984375948 · 25/10/2025 10:57

Hi all, this is meant to be an interesting discussion.

I keep seeing people say, “Don’t have kids if you can’t afford them.”

But in the UK, if someone works full-time on minimum wage, the state ends up paying thousands for childcare so that parent can work.
If that same parent stayed home, they would receive less support overall, yet they would be raising their own child hands-on. A single mum can work part-time and get rent and living costs for kids, around 500 a month in support if she works.

Nursery is about 1K a month usually. Then there's the wraparound care before and after school that could also be funded by UC.

So why is one scenario seen as responsible and the other as “sponging”?

Further, do people who say “don’t have kids you can’t afford” actually think only those earning £60k or more should have children, since that is roughly what it takes to cover childcare or a single income? That eradicates the above two scenarios and it's just those with independent wealth

If so, what would that mean for society long-term, both economically and socially? There would be fewer poor people over all and I think this would have an impact on our monetary system and menial jobs getting done.

And if you believe that only the wealthy should reproduce, you are effectively asking rich, white, powerful men to police women’s reproduction.
That is exactly what is happening in parts of America right now.

Genuinely curious how people justify this way of thinking.

OP posts:
Thread gallery
5
housethatbuiltme · 25/10/2025 12:56

I find it shockingly stupid that some do not understand enough to grasp the importance of reproductive rates (both biologically and economically) but think its utterly fine to live in a world where people should be banned or suffer because they 'can't afford' the very basic things all animals exist to do and that the species requires.

People say stupid thing like 'people shouldn't have children because we over populated' without understanding that over population in a bottle neck needs removal from the ELDER generation not ceasing of reproduction. Nature use to handle this but we have done insane things in the last 100 years to increase survival and life expectancy and divert mass 'natural correction' events (like for example a pandemic).

As a result we have a massive burden of care to an aging population with no real turnover rate to carry that. When people use to say 'have kids so theres someone to care for you when your old' and people got offended and fired back 'I wouldn't expect my kids to care for me, thats not a reason to have kids' they seemed to completely miss the point that its not personally about THEM its about the whole population. It doesn't need to be specifically YOUR child wiping your ass but SOMEONES child will need to. Its about an entire society of jobs filled by younger people.

Someones child will be the paramedic driving your ambulance to get you to someone elses child who is the nurse/dr at the hospital when you have a heart attack or stroke. Someones kid will be research dementia looking for things to improve your quality of life and dignity. Someones child will be the home care help or nursing home staff or end of life staff holding your hand through the end. Somebody's child will dress you and drive the car carrying you to you final goodbye.

Children are a necessity to the whole species, its bigger than you and without people having children everything stops working. Truth is its the 'poor' people that carry the majority of that burden while also dealing with being judged, if only the top % had children we would surpass an extinction level drop. Its in EVERYONE interest to support children because even if you don't have any of your own you will garanteed use the services of the younger generation (other peoples children) regardless of their income (and many of the most needed jobs in society are the most shittily paid) so don't judge them.

ADHDwifeHP · 25/10/2025 12:56

We had three kids and were definitely judged by some family members and friends who all thought two would suit our income better 😂 but we managed by having Aupairs rather than using nursery and I worked from home a bit / part time. Kids shared rooms until they were 8/9 we don’t go on holidays abroad… we have one car… and we live a very rich and happy life. We absolutely have paid a price around how much we have saved/ invested for retirement but only in early forties so that’s a focus now. Low / plummeting birth rate tells a story

Unrulyscrumptious · 25/10/2025 12:57

twistyizzy · 25/10/2025 12:53

If they can't afford that child then yes.
It isn't the responsibility of the taxpayer to keep funding children whom parents can't afford to pay for.
Again, morning after pill is easily available if accidents happen.
I do think in this day and age though that accidents aren't generally happening at the same rate due to the wide variety, and availability of contraception, although I admit I haven't researched it.

But you are taking this to an extreme example which you yourself decried in a PP ie being too emotional on a post.

Edited
Celebrate Happy Birthday GIF by Happy Place

Sorry - yes what? You're saying they should be forced to terminate against their will. Fuckin' hell.

Also are you really a woman? I can't believe any woman is actually so unaware that unintended pregnancies can happen on contraception..

pinkdelight · 25/10/2025 12:57

Coffeetime25 · 25/10/2025 12:54

i do find this funny if a women stays at home to look after kids she obv does not have an income so there fore reliant on the tax payer but if that tax payer is her husband this is fine if not she is a sponger but either way they sit at home all day or in mnt groups or coffee shops etc doing very little and relying on others for every penny

Eh? One of those women is being funded by the tax and the other isn't.

Amauve · 25/10/2025 12:57

Dragonscaledaisy · 25/10/2025 12:51

Class and wealth aren't related though. These people are middle earners and today, it would be more appropriate to view them as 'modern' working class (as opposed to 'traditional' working class) and for them to align their expectations accordingly.

Of course class and wealth are related. They don't perfectly align but it is utterly ludicrous to say they are not related.

Ubertomusic · 25/10/2025 12:58

twistyizzy · 25/10/2025 12:36

Which like I said previously, isn't the issue. The issue is when people who can't afford the DC they currently have, keep on having more.
If your DC are already having to go without then it's responsible to not have more.
How is that so shocking?

Oh but it is the issue, people say paupers must not breed and MC are being turned into paupers at speed. Their children will go without and it's their parents' fault as they made wrong decisions based on wrong economic assumptions.

No5ChalksRoad · 25/10/2025 12:59

Well, a working person is paying taxes to help support society and keeping their skills and involvement as a productive part of the economy.

Also, there’s more to “affording” children than childcare costs.

As a woman who spent from age 17 to menopause making sure I didn’t accidentally “fall” pregnant, I have zero respect for those careless enough to produce children into disadvantaged circumstances. There’s no excuse.

Drachuughtty · 25/10/2025 12:59

topcat2014 · 25/10/2025 11:37

A recent study revealed you need to be earning more than £55k before you are actually a net contributor to the state.

I don't want to live in a society where children are rationed by wealth. (And I speak as someone who has always earned well).

Are we realistically saying that a postman and healthcare assistant could get married but not have kids?

(to pick two socially useful but lower paid jobs)

What study? Do you have a link?

Hons123 · 25/10/2025 13:00

Don't have kids you can't afford? This sounds horrible. My granny was born in 1929. Abject poverty. She was one of 7, two of her siblings died in infancy. Abject poverty, overcrowding, sleeping in one room. All of them grew into amazing individuals, a secretary, a doctor, a teacher, a police officer, and a plumber. I say 'abject poverty', gran said 'normal childhood'.

Amauve · 25/10/2025 13:00

Coffeetime25 · 25/10/2025 12:54

i do find this funny if a women stays at home to look after kids she obv does not have an income so there fore reliant on the tax payer but if that tax payer is her husband this is fine if not she is a sponger but either way they sit at home all day or in mnt groups or coffee shops etc doing very little and relying on others for every penny

Er, fuck off? I stay at home with my kid and that isn't what I do. And at least I don't rely on the underpaid labour of nursery staff to care for the children I birthed and am perfectly capable of raising myself. My husband is "utterly reliant" on me to care for our children and perfectly happy to be so, but at least I am not "utterly reliant" on paid labour to do my parenting for me all day so I can be a willing little cog in the earning machinery.

twistyizzy · 25/10/2025 13:00

Unrulyscrumptious · 25/10/2025 12:57

Sorry - yes what? You're saying they should be forced to terminate against their will. Fuckin' hell.

Also are you really a woman? I can't believe any woman is actually so unaware that unintended pregnancies can happen on contraception..

Edited

You are twisting my words to suit your narrative of eugenics.
I never said anyone should be forced to do anything. I clearly said there is contraception and morning after pill.
You said "should she..?" So I replied "yes she should if she couldn't afford the current DC". I did NOT say anyone should have forced her.

This goes down to personal responsibility or lack of it, not anyone forcing anyone else to do anything.

Ubertomusic · 25/10/2025 13:01

Unrulyscrumptious · 25/10/2025 12:41

I can agree sort of in principal that people should endeavour to have kids when they can afford to support them and give them the best life possible, coming from someone who was raised by parents who were really broke. But it doesn't work that way, once children exist I'd be happy for more of my taxes to go towards "handouts" ensuring kids are in warm homes with full bellies. To really think strongly that people shouldn't have kids till they can afford them - what does that actually mean in reality? Mandatory contraception or sterilisation for those on low incomes or unemployed? Women having to have abortions for babies they want but can't afford? Women who want to be mothers missing their fertility window because they don't earn enough? It's unworkable and cruel and really lots of families have kids they thought they could afford and then circumstances changed.

Yes, it means sterilisation based on economic criteria, plain and simple.

Dragonscaledaisy · 25/10/2025 13:01

Amauve · 25/10/2025 12:57

Of course class and wealth are related. They don't perfectly align but it is utterly ludicrous to say they are not related.

So how do so many 'middle class' people on this forum have so little disposable income? There are the very average middle.

pinkdelight · 25/10/2025 13:02

As a result we have a massive burden of care to an aging population with no real turnover rate to carry that.

I get the whole bottleneck thing but the answer is surely to go through it, even if there's shit times along the way, not to perpetuate it with an endlessly massive burden of care with a consistently high population. How does that turn out well?

Unrulyscrumptious · 25/10/2025 13:02

twistyizzy · 25/10/2025 13:00

You are twisting my words to suit your narrative of eugenics.
I never said anyone should be forced to do anything. I clearly said there is contraception and morning after pill.
You said "should she..?" So I replied "yes she should if she couldn't afford the current DC". I did NOT say anyone should have forced her.

This goes down to personal responsibility or lack of it, not anyone forcing anyone else to do anything.

I asked if you've terminated a pregnancy you wanted to remain at one child because that's all you can afford and you said no you use contraception so I asked :
Ok but surely you know women who have had contraception fail? I mean, you're on MN, people regularly are in a situation of unintended pregnancy - what are your proposing they do if they fall pregnant with a child they can't afford?

So I'll ask a third time, what is a woman supposed to do with an unintended pregnancy she can't afford? Are you saying she should or has a duty to terminate ?

RedLeicesterRedLeicester · 25/10/2025 13:02

LadyGreyjoy · 25/10/2025 11:02

Well simply working parents are also paying tax and paying for most of their own living costs even if they get help. Help to work is not sponging because by working you contribute to society both in terms of skills and tax. None working parents who get all of their money from the state are not paying any tax or giving any of their skills to.society. It's not difficult to see the difference really.

And if you can't afford to give your child a coat and shoes without holes in for winter I don't think you should be creating them in the first place, being born to be intentionally neglected is wrong. Child shouldn't be only for the rich at all but they do deserve the absolute basics.

Poverty and neglect aren’t the same thing

YouMightLikeCats · 25/10/2025 13:03

twistyizzy · 25/10/2025 12:53

If they can't afford that child then yes.
It isn't the responsibility of the taxpayer to keep funding children whom parents can't afford to pay for.
Again, morning after pill is easily available if accidents happen.
I do think in this day and age though that accidents aren't generally happening at the same rate due to the wide variety, and availability of contraception, although I admit I haven't researched it.

But you are taking this to an extreme example which you yourself decried in a PP ie being too emotional on a post.

Edited

Why would you take a morning-after pill if you were on contraception? You can't tell if it's failed (in many cases) until weeks or months later.

What are you suggesting would trigger use of the MAP?

Unrulyscrumptious · 25/10/2025 13:03

Ubertomusic · 25/10/2025 13:01

Yes, it means sterilisation based on economic criteria, plain and simple.

People will do their best to say this without actually having to say it

Burntt · 25/10/2025 13:04

I’ve had this judgement because I had a second child after my disabled child. I could afford the second child but then he’s not been provided a school place and no suitable childcare available. Necessitating my giving up work and plunging my family into poverty. I’ve had a few comments about why have another child when the older one stops me working. I never excepted my disabled child to be denied his access to education and deprived of a school place. I waited until he was school age before having another child then as soon as I got pregnant he was kicked out because they “couldn’t meet need”. Should I have aborted my much wanted and planned child because of disability discrimination? I know a few families with multiple children who on the face of it look like they had children they couldn’t afford but the reality is one of those kids has high needs that we’re not apparent when the younger children were conceived.
I agree with those saying make the father pay. So many of my friendship group are poor because men leave when there is a disabled child and life is hard. Then the mum gets judged for the life she now has for her kids and the dad gets praised for a few hours he does on the weekend which mum spends cleaning and catching up on sleep

I hate being judged for this.

No5ChalksRoad · 25/10/2025 13:04

housethatbuiltme · 25/10/2025 12:56

I find it shockingly stupid that some do not understand enough to grasp the importance of reproductive rates (both biologically and economically) but think its utterly fine to live in a world where people should be banned or suffer because they 'can't afford' the very basic things all animals exist to do and that the species requires.

People say stupid thing like 'people shouldn't have children because we over populated' without understanding that over population in a bottle neck needs removal from the ELDER generation not ceasing of reproduction. Nature use to handle this but we have done insane things in the last 100 years to increase survival and life expectancy and divert mass 'natural correction' events (like for example a pandemic).

As a result we have a massive burden of care to an aging population with no real turnover rate to carry that. When people use to say 'have kids so theres someone to care for you when your old' and people got offended and fired back 'I wouldn't expect my kids to care for me, thats not a reason to have kids' they seemed to completely miss the point that its not personally about THEM its about the whole population. It doesn't need to be specifically YOUR child wiping your ass but SOMEONES child will need to. Its about an entire society of jobs filled by younger people.

Someones child will be the paramedic driving your ambulance to get you to someone elses child who is the nurse/dr at the hospital when you have a heart attack or stroke. Someones kid will be research dementia looking for things to improve your quality of life and dignity. Someones child will be the home care help or nursing home staff or end of life staff holding your hand through the end. Somebody's child will dress you and drive the car carrying you to you final goodbye.

Children are a necessity to the whole species, its bigger than you and without people having children everything stops working. Truth is its the 'poor' people that carry the majority of that burden while also dealing with being judged, if only the top % had children we would surpass an extinction level drop. Its in EVERYONE interest to support children because even if you don't have any of your own you will garanteed use the services of the younger generation (other peoples children) regardless of their income (and many of the most needed jobs in society are the most shittily paid) so don't judge them.

Oh, give over.

this poor planet is dying under the weight of excess human beings. As are myriad other species.

there is no shortage of people, all we need is less restrictive migration laws around the globe. and if humanity has to suffer a bit in order to reduce our population to less direly destructive levels, so be it.

stop kidding yourselves that you are doing the world a favour by producing offspring.

twistyizzy · 25/10/2025 13:04

Ubertomusic · 25/10/2025 12:58

Oh but it is the issue, people say paupers must not breed and MC are being turned into paupers at speed. Their children will go without and it's their parents' fault as they made wrong decisions based on wrong economic assumptions.

Except I didn't say that. I said people should limit the number they have to what they can afford.

Let me turn it back to you. Are you saying that society can afford to just keep paying to fund the DC that parents who can't afford them continue to have? That working parents who choose to limit their DC due to affordability should continue to pay for parents who have never worked?

Unrulyscrumptious · 25/10/2025 13:05

YouMightLikeCats · 25/10/2025 13:03

Why would you take a morning-after pill if you were on contraception? You can't tell if it's failed (in many cases) until weeks or months later.

What are you suggesting would trigger use of the MAP?

Exactly! Many people on contraception don't know they're pregnant for a while, I can't tell you how many threads I've seen of women in this situation. Plus MAP is pretty useless if you've already ovulated.

KimberleyClark · 25/10/2025 13:05

Which like I said previously, isn't the issue. The issue is when people who can't afford the DC they currently have, keep on having more.

Or it’s not that they are deciding they actually want more kids, they just will not take responsibility for not having them, and just expect the state to keep on paying out when they do.

twistyizzy · 25/10/2025 13:05

YouMightLikeCats · 25/10/2025 13:03

Why would you take a morning-after pill if you were on contraception? You can't tell if it's failed (in many cases) until weeks or months later.

What are you suggesting would trigger use of the MAP?

What usually triggers it?

pinkdelight · 25/10/2025 13:05

Hons123 · 25/10/2025 13:00

Don't have kids you can't afford? This sounds horrible. My granny was born in 1929. Abject poverty. She was one of 7, two of her siblings died in infancy. Abject poverty, overcrowding, sleeping in one room. All of them grew into amazing individuals, a secretary, a doctor, a teacher, a police officer, and a plumber. I say 'abject poverty', gran said 'normal childhood'.

This was pre-welfare state. Are you advocating we go back to that? Is it the normal childhood you'd want for your kids? I'm sure lots of our grannies grew up in similar circumstances and their grannies grew up in worse ones, but not sure how relevant that is to the current situation or the answer would be to ditch all benefits and mod cons and just let the amazing individuals proliferate.