I think there are many valid reasons not to have kids, or regret having them, including "lack of freedom" (in the sense that kids require a lot of your presence and affecft where you can go), but "cannot financially afford to have kids" is one of the stupidest "reasons"/explanations.
Specifically, there is inverse relationship between average number of kids vs. gross product of nation. Poorest people have the most kids.
I can assure you, having kids costs nearly nothing. Many of those people who say they can't have kids due to financial reasons do have pets, and pets are more expensive really.
I find this very hard to believe; pets more expensive than kids: really?
Does your dog or cat or bird need clothes? school expenses? pediatric medical expenses (definitely more than veterinary)? all the other stuff they need?
I don't have any figures at hand but I think you'd be hard put to prove that point.
Here the veterinary costs have exploded due to the pet boom and monopolization of private vets (large corporations buying out smaller ones), really, that's the root cause of the expenses. The life cycle of a pet is faster than that of a human. Human beings would receive some of the "free" healthcare (which isn't free) but that's not the point, even if it was private, during 15 first years of human, chances that you don't need to see a doctor more than once or twice with anything serious enough to matter are high. Like, maybe you go to doctor "just in case" exactly because you
can afford that, but if you couldn't, then... you just wouldn't go and it's not a big deal?
School is free-of-charge here. This is of course cultural, maybe in the land of freedom it does have a cost. "All the stuff they need" is a catch-all I don't like. This is
exactly the thing which ends up including Gucci handbags. If you have money at your disposal, fine. But if you find you are financially struggling, keep close track on how you are spending. We humans need very little actual material, and most of it is available for cheap.
Used clothes are available. Used strollers are available. We buy everything new and of decent quality
despite being in lowest 10% income class. It is
still such a small expense. Clothes are expensive only if you are looking at something luxury branded things. What, I might be spending 50€/year on my own clothes. Maybe we spend 100€/year on the kid's clothes because she is growing fast. And we buy everything new. This is totally negligible. We spend the same money in only two months to get sunflower seeds and peanuts for the birds in the winter.
Housing is costly! Heating is costly. Food is somewhat costly. But children really do not require some mansion to live in, and do not eat huge amounts of food. If you have housing and food for yourself and your partner, adding a kid or two is very small increase to that. In some Asian countries it is normal and considered good living standard to live with 2-3 kids in an apartment resembling a closet. The fact that some of us westeners think that a small apartment is not "good enough" if you have kids, is not based on real physical or emotional need of kids, it is purely cultural toxicity.