Besides that, at a cultural level personal worth and dignity and safety need to be divorced from monetary net worth as that makes it easier for someone to decide where is a comfortable place for them in their society, and then adjust their time between working and child-rearing.
That said, it's also hard to motivate some people to reproduce if there's no greater point to it than some basic primal instinct, which may not be that high in such people. It follows, I guess, that the more educated a populace gets, the less its participants are likely to thoughtlessly reproduce. Tax credits are helpful (said sarcastically).