Chiming in to say: This is me to a T! I cannot afford children (or, more accurately: I cannot give children the life I want to give them). Houses are far too expensive to even dream about, and uncertainty in continued employment incentivizes me to just save all the money I can while living as cheaply as humanly possible.

It's not the best life, but at least I have some cash to fall back on when my at-will employment is terminated for no cause and I can't find a job for a couple years. Or maybe my carpal tunnel syndrome will drive me out of the (extremely competitive) job market.

Either way, I'm not going to spend more money than I need to so I can have at least some semblance of "stability". And I sure as hell am not raising another generation of wage slaves. This terrible way of life ends with me.