Yeah... that's the problem. You do your sums and realise how
scary it is and you start to hold back and I guess everyone do hope
to have a certain level of quality of life
That's because they don't do their sums and figure that they will
get by once it happens.
The problem lies between wanting to sacrifice the current
quality of life and giving some up to look after the kids. Yes,
unexpected things happen.
So SO loves kids but I see them as tiny pests with loud voices and
looking at my nieces, that is enough to put anyone off on having
kids
They
even scared my SO 
Well, I do know as a fact that my parents love kids so that is a
different story 