Same here. I wouldn't say climate change would be the sole reason but it is up there.
Another big one and I'm not sure how to put it but the general state of media. We see other family with their kids on various platforms and it just seems so much to keep up with and we're dealing with just Youtube at this point. Every few days we're getting told about something what was watched which brings up the inevitable discussion of everything that is online is not true and the follow on of "what are you watching".
I do constantly remind myself that my fears are most likely what many parents experience in some form or another and that this is just another generation. But many times I do wonder if we would have chosen to have kids today if we waited.
It's not obvious to me that the college system as it stands today and has stood for the last twenty years is going to be similar in twenty years.
In Arizona, full-time community-college students pay under $2k/semester for school: https://www.maricopa.edu/future-students/tuition-fees. It is possible, even today, to pay relatively little for a four-year college degree.
Most people prefer existence to non-existence, even if the cost of housing is high. https://www.amazon.com/Selfish-Reasons-Have-More-Kids/dp/046...
* The pure stress of having a child, which I don't think I could handle, and the associated limitation on my own life due to that
* Loss of any sense of social pressure and lack of any ideal that it is something I should do
* I also can't escape the idea that for me it would be a fundamentally selfish act, I would only be doing it because I'm scared of regretting not doing it, which for me is reason enough to _not_ do it
Edit: I see from another comment that you have made a firm decision, so didn't want this to come across as criticism of your choice in any way; mostly wanted to address that "selfish/selfless" thing, and for anyone on the fence.