PBO lets start over. I see you location is Sydney, safe to assume that is Australia?

My point to Herold was, it was the norm in the late 1800s and early 1900s for people to come from a big family, they worked the land so they had too. My grand mother did and she was a perfectly normal, well adjusted person. Yes today it is very unusual. And if you are against it, that is fine with me. I believe in live and let live. I think people should have as many kids as they want and CAN AFFORD. It isn't fair to bring a kid into the world and have no way or desire to care for it.

As for your statement about me stating my opinion as fact. I have tried very hard to post link after link from a quality source backing up what I am talking about. The only thing I haven't been able to is about the way my grandmother's generation handled money. Your right that is opinion based on the people I have known personally from that generation that went through the Great Depression in the U.S. and they were far better with money than I am. And it is my opinion that people should try and get back to that. Save more and consume less. I actually agree with you and Harold, but for different reasons.

Hope there are no hard feelings and that the excellent discussion can continue. If one person comes to RC-Monster for fun and can walk away critically thinking about things in the World I think it is a worth while exercise.