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For most of American history, having children was considered part of the dream: a family, a house, and the hope of building something better for the next generation. But ask Generation Z , and you’ll hear a different story.

At the dinner table the other evening, all three of my children in their 20s talked about the possibility of not having kids and why. It broke my heart. But, more young adults are saying, "I don’t want kids." And their reasons tell us something very important about where America is headed and the real financial realities of today’s world.

It’s the Money, Plain and Simple

Raising kids has become brutally expensive in this country. The U.S. Department of Agriculture estimates it now costs over $300,00

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