Sounds to me like she sounds very responsible, unlike people here
So just keep putting it off until you are 'well off' financially? lots of families were brought up in poverty as long as the kids get plenty of love and attention money shouldn't be a huge factor.
Looking at the younger generations today it's probably more accurate to say they don't want to give up their own selfish lifestyle, they'd rather have a new Iphone every year and spend all day on Facebook than a kid to have to buy food for and keep entertained themselves rather than with expensive toys.
Another huge factor is government policy, families are being driven to food banks due to Universal Credit, families are being forced onto Universal Credit due to insane lockdowns, meanwhile you have migrants crossing the channel daily and being housed in expensive hotels at the tax payers expense.
I think Poland and maybe Hungary have a pro-family/marriage policy and their government give incentives for people to get married and have kids but they're in the EU's bad books due to preferring that over mass immigration.
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