I see people always talking about the economics of starting a family, but they're missing the real reason for low birth rates: opportunity cost borne by women.

Women who choose to have a child put their careers back several years at the age when they are making the most important advancements in their careers. They choose not to have children because doing so doesn't just mean they have to pay a bunch of money in childcare costs, it means they will likely never achieve the dreams and goals they set for themselves. It will become much harder for them to travel, climb the corporate ladder, create things, and be someone. Many women want to achieve all these things and then have children later in life, but it becomes biologically infeasible for them to do so.

This is harder to solve. We can force maternity policies with hiring mandates, but that would be VERY expensive for smaller businesses (having to pay 2 salaries to get the work of 1 for a year or more).

I'm just not sure what other policies exist to solve the opportunity cost issue. You can give people as much cash as you want but government can't give away free self-actualization