The math didn't work for us even 30 years ago when I was in my peak reproductive years. Jobs here were dicey, husbands job was secure but pay wasn't adequate, 2 incomes were needed to buy a house in a decent school system, and I knew that I did not have the capacity to do two full time jobs (job + motherhood) without becoming a screaming psychotic banshee and failing miserably at both. So, between that and some other personal issues I won't go into, we didn't replicate.

It is even worse now.

It's going to take a collapse and then a reset to where only 1 or maybe 1.5 jobs are required to support a family before smart people start reproducing again. The stupid will continue to crank out multiples as long as they are paid for it, or don't take the effort to prevent it. The movie "Idiocracy" is a documentary.

IMO the biggest sticking point for why people don't reproduce is economic survival. Yeah it sucks raising a kid in a failing society but if you have a total of one parent of two who can DEDICATE themselves to the proper rearing of the child(ren) then you can usually manage it. It is harder but you can homeschool, be involved in church groups, move to a rural area etc and stave off some of the toxic garbage etc.
But once you have both parents working full-time out of the home to make ends meet the kids end up going feral and subject to the non-economic forces that ruins societies. And that includes our current toxic educational system.

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"The closer you get to the drain, the faster you spin."
---some rando on ZeroHedge