If clearing that bar isn’t feasible, starting a family is delayed until it is.
The problem is that many will never achieve that before aging out of the opportunity, due to it becoming increasingly difficult to climb that ladder. Many millennials for example only got to a point where they felt like they could stand on their own two feet in their 30s, which is the starting line for providing the desired quality of life for children.
I don’t think this is a bad thing to desire. People like this tend to be good, thoughtful parents if they manage to endure the marathon and reach the finish line in time. It’s just out of reach for many, and nobody cares to even try to fix that.