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Alsadius comments on Mistakes repository - Less Wrong Discussion
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Just freeze your eggs. Far cheaper than having children during the crucial early-career-building phase of your life.
It honestly blows my mind that people rearrange their whole lives around having kids early instead of doing this.
Does it really help your long-term income? I mean, if you're taking years off for family, does the choice of doing so at 20 or 35 make much of a difference to your income in your peak-earning 50s? Also, IVF is expensive in its own right, as well as being invasive and unreliable. Plus you're still left with raising kids at an older age, when you're less able to keep up with them.