[Crawford]

Are they factoring in the tax advantages, which are considerable? $1 million sounds high. In Manhattan or Central London, yeah, but I cannot imagine a typical middle class couple in Dayton, OH is spending anywhere near $1 million, even considering opportunity cost.

Anyways, discussions of cost completely miss the point. Having my kid is, by far, the greatest thing that ever occurred in my lifetime. And it's anecdotal, but I find that having children strengthens your focus and makes you a better employee and person.