Home
/
RELIGION & LIBERTY ONLINE
/
Is Having Children Too Expensive? (Wrong Question!)
Is Having Children Too Expensive? (Wrong Question!)
Jan 20, 2026 3:42 PM

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
Verse of the Day
  Commentary on Today's Verse   Commentary on John 8:30-36   (Read John 8:30-36)   Such power attended our Lord's words, that many were convinced, and professed to believe in him. He encouraged them to attend his teaching, rely on his promises, and obey his commands, notwithstanding all temptations to evil. Thus doing, they would be his disciples truly; and by the teaching of...
Verse of the Day
  Deuteronomy 8:17-18a In-Context   15 He led you through the vast and dreadful wilderness, that thirsty and waterless land, with its venomous snakes and scorpions. He brought you water out of hard rock.   16 He gave you manna to eat in the wilderness, something your ancestors had never known, to humble and test you so that in the end it might...
Verse of the Day
  Commentary on Today's Verse   Commentary on John 14:12-17   (Read John 14:12-17)   Whatever we ask in Christ's name, that shall be for our good, and suitable to our state, he shall give it to us. To ask in Christ's name, is to plead his merit and intercession, and to depend upon that plea. The gift of the Spirit is a fruit...
Verse of the Day
  Matthew 6:2 In-Context   1 Be careful not to practice your righteousness in front of others to be seen by them. If you do, you will have no reward from your Father in heaven.   2 So when you give to the needy, do not announce it with trumpets, as the hypocrites do in the synagogues and on the streets, to be...
Verse of the Day
  Commentary on Today's Verse   Commentary on Romans 1:16-17   (Read Romans 1:16-17)   In these verses the apostle opens the design of the whole epistle, in which he brings forward a charge of sinfulness against all flesh; declares the only method of deliverance from condemnation, by faith in the mercy of God, through Jesus Christ; and then builds upon it purity of...
Verse of the Day
  Romans 13:1-2 In-Context   1 Let everyone be subject to the governing authorities, for there is no authority except that which God has established. The authorities that exist have been established by God.   2 Consequently, whoever rebels against the authority is rebelling against what God has instituted, and those who do so will bring judgment on themselves.   3 For rulers hold...
Verse of the Day
  Commentary on Today's Verse   Chapter Contents   God's answer to Solomon's prayer.   God gave a gracious answer to Solomon's prayer. The mercies of God to sinners are made known in a manner well suited to impress all who receive them, with his majesty and holiness. The people worshipped and praised God. When he manifests himself as a consuming Fire to sinners,...
Verse of the Day
  1 Corinthians 16:2 In-Context   1 Now about the collection for the Lord's people: Do what I told the Galatian churches to do.   2 On the first day of every week, each one of you should set aside a sum of money in keeping with your income, saving it up, so that when I come no collections will have to be...
Verse of the Day
  Commentary on Today's Verse   Commentary on Proverbs 21:3   (Read Proverbs 21:3)   Many deceive themselves with a conceit that outward devotions will excuse unrighteousness.   Proverbs 21:3 In-Context   1 In the Lord's hand the king's heart is a stream of water that he channels toward all who please him.   2 A person may think their own ways are right, but the Lord...
Verse of the Day
  Commentary on Today's Verse   Commentary on Matthew 9:10-13   (Read Matthew 9:10-13)   Some time after his call, Matthew sought to bring his old associates to hear Christ. He knew by experience what the grace of Christ could do, and would not despair concerning them. Those who are effectually brought to Christ, cannot but desire that others also may be brought to...
Related Classification
Copyright 2023-2026 - www.mreligion.com All Rights Reserved