Last week we were talking about millennials, those folks born between approximately 1982 and 2000. They’re between 18 and 36 years old now. Many of these younger adults seem to be putting off marrying and having children, possibly forever. Being a couple generations older, I asked for younger readers to enlighten me. A couple did, but I need more input.

Here’s what I see. Our world has changed so much since I was young. The grandparents and great grandparents of today’s young adults married in their early 20s, if not younger. Statistics show the age of first marriage steadily creeping upward, averaging about 27 for women and 29 for men now. That’s an average. I know many who are well into their 30s and not even close to marriage.

Back in the day, the economy was so astonishingly different that a couple could afford to live on just one income. They could afford to buy a house and raise a family. The wives were free to focus on home and children. Hence the baby boom.

It’s not like that today. I wouldn’t want live in a world where a woman didn’t have the same rights as men to pursue an education and a career. But it takes years to finish school and get established in a career, years of paying off student loans and working far more than 40 hours a week. Where does having a baby fit in? It goes onto the back burner or off the stove altogether. Birth control, now readily available—you can buy condoms at the grocery store!—makes sure there are no oops babies.

Meanwhile, the cost of living has escalated to the point it takes at least two incomes to survive. In the major metropolitan areas where the jobs are, many young people may never be able to afford to buy a home. In the Bay Area, it costs almost a million dollars for a falling-down 1950s tract house, more for anything better. How can you raise children when you’re living in a cubbyhole of an apartment, maybe even sharing it with other millennials who can’t afford their own homes?

People do it, of course. Babies do come. My Facebook feed is full of baby pictures, but  those parents are mostly older, just barely managing to procreate before it’s too late. I suspect many of today’s millennials will “age out” before they have a chance to create a traditional family. Currently one in five American women reach menopause without becoming mothers. I wonder what the ratio will be in 20 years?

Please do comment. What do you see happening? What is it like for you?