I would hate to be a young couple trying to plan a family today.
If they've completed any form of tertiary education, they'll emerge from the ivory halls with a combined debt of at least $50,000 and begin jobs with starting salaries of around $40,000, if they're lucky.
The most fertile years of a woman's life will be spent trying to pay back her loan and saving for a deposit on a house.
If all the planets are in the right alignment, a couple can start trying for a baby as a 30th birthday present - but then there's the hurry to get the family finished before a woman reaches 35 and the risks involved in pregnancy and childbirth start increasing exponentially.
A Perth obstetrician has come under fire for saying women who have babies in their 40s are selfish and thus the debate over female fertility has flared up again.