Home
/
RELIGION & LIBERTY ONLINE
/
Is Having Children Too Expensive? (Wrong Question!)
Is Having Children Too Expensive? (Wrong Question!)
Nov 16, 2025 3:28 AM

The cost of raising kids in the United States has reportedly gone up, averaging $245,340 per child according to a recent report by the U.S. Department of Agriculture, which factors in costs for housing, food, clothing, healthcare, education, toys, and more.

From the Associated Press:

A child born in 2013 will cost a e American family an average of $245,340 until he or she reaches the age of 18, with families living in the Northeast taking on a greater burden, according to a report out Monday. And that doesn’t include college — or expenses if a child lives at home after age 17.

In response to these estimates, much of the reporting has aimed to paint an even grimmer picture for prospective parents, emphasizing other factors such as the likely trajectory of declining wages and rising costs in areas like healthcare and education.

Taken together, it’s enough to make your average spoiled youngster run in the opposite direction. And indeed, many actively are.As Jonathan Last details extensively in his book, What to Expect When No One’s Expecting: America’s Coming Demographic Disaster, birthrates in the Western world are in a free fall, with more and more adults opting for fewer and fewer kids, if any at all, and making such decisions later and later in life.

For those of us who shudder at the prospect of a world with fewer children, and who increasingly encounter negative attitudes about child-bearing and -rearing amongst our peers, many of whom are in their child-bearing “primes,” one wonders how we might respond with pelling financial case for having children amid such supposedly grim prospects.

But while it may be tempting to respond by nit-picking over the inflated consumeristic expectations of modern American parents, or by elevating innovative “life hacks” on how to coupon-cut your way to retaining that expensive Starbucks habit, we’d do well to recognize that at the heart of the West’s demographic crisis is the question plete with its narrowconsumeristic disposition toward cost and convenience as the primary metrics for human hope and destiny.

For Christians in particular, no matter what the dollar numbers of the day, the choice to have children is one driven by something deeper, wider, and higher than ourselves. Financial wisdom and frugality are important, but God didn’t tell Hannah, Manoah, or Mary to plug their ears, shut up their hearts, and budget their way to babies.At what point do we waive our “right to choose,” and let God choose for us?

This is where we ought to begin, with financial analysis and every other thought process funneled and interpreted accordingly.With that as my proposed foundation, I offer the following reflections to prospective parents: whether you tremble at the USDA’s price tag or dismiss its validity altogether.

1. Having and raising kids involves lots of pain and sacrifice, and that’s a good thing. Parenting involves hard work and immense dedication, economic and otherwise, and there’s no getting around it. Want to serve, sacrifice, and contribute to something awesome in real, tangible, transformative, and transcendent ways? Pray earnestly and selflessly about whether you’re called to marry and have kids, and if you hear “yes” from on high, find the right spouse, bear children, and prepare your spirit, soul, body, and pocketbook for a life of liberating constraints.

2. Children are a net gain. That’snot to downplay or ignore the element of extreme sacrifice. When you wake up drowsily at 3 a.m. to help your screaming child for the 7th night in a row, the last thing on your mind is some sophisticated cost-benefit analysis about how “this all pays off in the long run.” But surely there are both immediate and long-term gains for all parties involved. People are producers, innovators, lovers, and taxpayers, and we were created to be in family and relationship munity. From a parent’s perspective, whatever you may think about the (likely) potential for dips in “happiness,” fort,” “economic stability,” yearly vacations to Paris, or any other superficial pseudo-pleasures of the Entitled Age, where there is hard and meaningful work, there is fulfillment, joy, purpose, and all-around human flourishing. As most parents eventually understand, the reward of parenting is a mysterious, paradoxical, perplexing, and beautiful thing that will never be trumped by some petty financial estimate by the USDA.

3. Sticker shock is sticker shock. But speaking of petty quantification, the numbers and estimates in these studies are surely inflated by over-the-top Western privilege and priority, even when taken through a wholly materialistic lens. Yet even still: How much does that actually matter? Even if you, as a parent, were modest and frugal to the extreme, sticker shock is still sticker shock. My wife quit her job to raise our three kids, and plans to be home full-time for some time. What should we do as a start? Multiply her lost salary times 18 or so, and factor in how many raises she might’ve earned in the years in between? See #1 above.The economic price is high no matter how you calculate it. Embrace the risk and sacrifice and find the reward.

4. What would God have you do? Going back to my initial point, and first and foremost above all else: With our newfound choice in all things family- and sex-related, our decision-making process must be rooted in obedience to God, which includes a heightened sense of obligation to spouse munity, and a far healthier view of sacrifice, happiness, and meaning than we as a culture currently possess. Russia tries to give away fancy prize packages to counter its population decline, and such measures continue to fail because they ignore a fundamental ingredient of a society with flourishing families: submission to priorities more powerful pelling than free refrigerators and materialistic gimmicks.

Again, financial considerations are important, and they ought to remain an active part of our discernment and decision-making process. Likewise, God does not call everyone to have kids, nor to have them as soon or as young as possible. Even for those who embrace the calling,many face severe and painful hurdles in finding a good spouse or bearing children itself.

But when I ask young, married, prosperous millennials why they’re not having kids, more often than not, they point to illusions fort, their own personal plans and designs for the future (“wise” though they may be), and inflated notions of economic impossibility.

We are not in the demographic or cultural position of Russia, but the rising generation of young people in the U.S. is increasingly questioning or distorting the value and purpose of child-bearing and child-rearing. We’d do well to locate the proper source of whole-life flourishing, and do so nice and quick.

As Jonathan Last concludes at the end of his book:

There are many perfectly good reasons to have a baby. (Curiosity, vanity, and naiveté e to mind.) But at the end of the day, there’s only one good reason to go through the trouble a second time: Because you believe, in some sense, that God wants you to.

Do we actually believe that?

Are we even asking the question?

[product sku=”1103″]

Comments
Welcome to mreligion comments! Please keep conversations courteous and on-topic. To fosterproductive and respectful conversations, you may see comments from our Community Managers.
Sign up to post
Sort by
Show More Comments
RELIGION & LIBERTY ONLINE
Is it really ‘aid’ if it goes to relatively wealthy nations?
Alan Duncan, an aid minister in the UK, says his government is “forced” to hand over large amounts of money to the EU’s foreign aid budget, but has no say in how the money is spent. The problem is that much of the $2 billion+ “aid” money (one-sixth of the British budget) goes to projects such as making a Moroccan water park more eco-friendly, an art project in St. Petersburg, and building a hotel and plex in Barbados. Britain’s International...
Dodd-Frank: The Other Serious Threat
At least es at us head on. The greater legislative threat may be the one that most Americans have never heard of. Economist Scott Powell and Acton friend Jay Richards explain in a new piece in Barron’s: While Obamacare received more attention, the Wall Street Reform and Consumer Protection Act, also known as Dodd-Frank after its Senate and House sponsors, … unleashed a new regulatory body, the Consumer Financial Protection Bureau, to operate with unprecedented power. Dodd-Frank became law in...
Acton Commentary: Obama Administration Leaves Human Trafficking Victims Out in the Cold
“Most of us enjoy an economy where we can purchase with ease the things we need and enjoy. However, there is no moral justification for mercialization of some things; human beings are not products to be bought and sold,”writes Elise Hiltonin the latest Acton Commentary (published October 3).The full text of his essay follows. Subscribe to the free, weekly Acton News & Commentary and other publicationshere. Obama Administration Leaves Human Trafficking Victims Out in the Cold By Elise Hilton Imagine...
Counting the Profit of a Third Party Choice
Joe Carter recently highlighted the discussion at Ethika Politika, the journal of the Center for Morality in Public Life, about the value of (not) voting, particularly the suggestion by Andrew Haines that in some cases there is a moral duty not to vote. This morning I respond with an analysis of the consequences of not voting, ultimately arguing that one must not neglect to count the cost of abstaining to vote for any particular office. One issue, however, that I...
Want to Help the Poor? Promote a Free Market in Health Care
Want to help the poor? Promote a free market in health care. That’s the argument made by John C. Goodman, author of the new book Priceless: Curing the Healthcare Crisis. Timothy Dalrymple recently talked with Goodman about the best approach for restoring free-market pricing mechanisms into the market for medical care and health insurance: Aren’t there some people, however, who have little of money and lots of time, and would prefer to wait in order to receive cheaper care? There...
Did 2,362 Millionaires Get Unemployment Checks in 2009? (Answer: Yes they did.)
The Congressional Research Service (CRS), a group that works exclusively for the U.S. Congress, issued a report with one of the greatest titles I’ve ever seen on a government document: Receipt of Unemployment Insurance by e Unemployed Workers (“Millionaires”) Now the first nine words are nothing special, typical policy-wonk speak. But whoever added in the word “millionaires” with scare quotes and parentheses is a genius. Most people would have been nodding off around the word “Insurance” but seeing millionaires (that’s...
Stop Apologizing for Our Liberties
You cannot apologize to a fanatic, says Lee Harris. It only serves to convince him that he was right all along: The last few weeks have witnessed a peculiar and disturbing spectacle: An American administration that has spent a great deal of time and energy apologizing for our liberties—in particular, for what many would regard as the foundation of all our other liberties, namely, the freedom to express our minds as we see fit. This signature freedom, of which Americans...
Dietrich Bonhoeffer, the Two Kingdoms, and Protestant Social Thought Today
Jordan Ballor’s paper, “Dietrich Bonhoeffer, the Two Kingdoms, and Protestant Social Thought Today,” just made the Social Science Research Network’s current Top Ten download list for Philosophy of Religion eJournal. From the abstract: Last century’s Protestant consensus on the rejection of natural law has been quested in recent decades, but Protestant social thought still has much work to do in order to articulate a coherent and cogent witness to contemporary realities. The doctrine of the two kingdoms has been put...
Rev. Sirico on Life, Work, and Human Flourishing
J.Q. Tomanek of Ignitum Today interviewed Rev. Sirico about life, work, human flourishing, and his new book, Defending the Free Market: JQ Tomanek: Back in the day, holiness was misinterpreted as a cleric or religious life thing. How can a lay Catholic practice their faith? What are some ways to sanctify our work as lay Catholics? Is “ora et labora” just a monk thing? Reverend Sirico: Yes, religious people are often tempted to e so “heavenly minded they are no...
On Call with Dr. Pamela Casson
Dr. Pamela Casson, a pediatrician in Colorado Springs, knows what it means literally to be “On Call.” This week she shares with us in this video interview with Jon Hirst how she sees God working through her in her work with families, children and the world around her. Thank you Pamela for giving us an inside look at how you see your work as blessing the world. ...
Related Classification
Copyright 2023-2025 - www.mreligion.com All Rights Reserved