At 18? Who is starting a family at 18 years old in that climate?
Claude Opus's Fermi estimate of the number of 18 year olds, making at least $100,000 a year, in California, with children, to be about 8 people. Not 8 thousand, not 8 hundred. Eight. Single digit. In a state of 40 million people.
I'll give you even odds that the number is within 4 orders of magnitude of correct. That is to say, in the year of 2025, there are/were fewer than 100,000 18 year olds, resident in the state of California, who have at least one child, and who made over $100,000 that year. If you prove me wrong I'll happily concede the point.
The demographics stats say no. It is not the job of the individual to engage in self destructive life plans because the previous generations have eaten the future and wrapped in nostalgia extruded plans think they can now comand them around like plantation owners cattle.