Claim 1: Parents have to put their 3 month old in daycare.

My response to Claim 1: (Parents have options, one of them is daycare. Another is to have a parent stay at home with the child. Extended families can pitch in. Many range of options here. Those are just examples.

Claim 2: The bottom 80% of Americans don’t have better options.

My response to Claim 2: Not sure what better options you’re referring to or what evidence you’re providing to support that the bottom 80% (by income?) have no better options.

Claim 3 (from your most recent comment): If you’re not making passive income, you’re worried.

My response to Claim 3: Most families make something work without having passive income. One or both parents may have a normal job or jobs.