A factor causing an increase in the age when people marry is an increase in the number of young adults who live by themselves or with a roommate of opposite gender to whom they are not married. In 2018, there were 8.5 million opposite-sex couples living together. Also delaying marriage (and probably contributing to the instability of marriage) is the trend of young adults to live with their parents. In 2019, more than half (54 percent) of those 18 to 24 years old, lived in their parents' home. Even among adults age 25 to 34, 16 percent still lived with their parents. Not only has the Alpha (young, unmarried) stage been lengthened as young people put off marriage, but so has the Bravo (young, married without children) stage. Married women now wait longer before having their first child. The average age of the mother when she gave birth to her first child was 28 in 2018, according to the Centers for Disease Control and Prevention (CDC). The increase in the number of working years until the birth of the first child allows single individuals and childless couples to put aside more money than ever before. If they use these years for saving, they will be able to better afford children and achieve other financial goals sooner (like retirement). If, however, they spend so much money during the pre-child years that they are not able to save (and even add to their debt), they will find the years with young children to be difficult financially.
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