surely people are allowed to decide what would be affordable for themselves
Obviously, and I appreciate you're getting defensive at the geriatric comment (understandably of course) but these threads often become extremely passive aggressive towards younger parents, lots of pity, "I just couldn't imagine that", wouldn't want it for my daughter, types of comments. Things I'm sure people would be more tactful about in real life.
Complete disregard for the fact that there are pros and cons to all ages, and the fact some women do want to prioritise having children in their healthy fertile prime, want grandparents around, and may be willing to make other sacrifices for example home ownership, but instead of acknowledging that, those mothers are made out to be lacking ambition, intelligence even.
There is no right or wrong here. Not even on an individual level, the reality is we've all had to compromise somewhere along the line, whether that's through choice or not. And yet these threads attract such superiority (on both sides).
If people are secure in their decisions, they don't need to be condescending or passive aggressive.