Where is the daycare next to the SL for a happy family ?!birthrate is low because it is troublesome to raise a kid.
it is not just the money, it is the quality of life. developed country citizen has birthrate declining everywhere. being childless is normal (you no longer get nagging such as in developing countries I think).
having babies might result in girls cant work and have to be stay home full time( the lack of day care also worsen this issue).
lifestyle change can be scary, like waking up in the morning because of baby crying. moving to detached house because apartment doesnt allow kids etc. not possible to go to nomikai, movies due to children and the list goes on.