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Global Fertility Rates Plunge as Millions Say They Can’t Afford to Have Children

The global fertility rate has fallen to less than half its level in the 1960s, and for many, it’s not because they don’t want children — it’s because they can’t afford them or face systemic obstacles to starting families, according to a new United Nations report.

The UN Population Fund (UNFPA) this week released findings from a multi-country survey showing that nearly 20% of adults of reproductive age in 14 countries say they are unable to have the number of children they desire. The reasons cited go far beyond medical infertility and instead point to mounting financial hardship, restricted access to reproductive care, and deepening concerns about global stability.

“There are many people who want more children, but only if conditions are right,” said Shalini Randeria, president of Central European University and senior external advisor for the report. “Governments have a responsibility to create the support systems — like secure employment, accessible healthcare, and child care — that enable people to make those choices freely.”

The UNFPA-YouGov survey spanned Asia, Europe, North and South America, and Africa, collectively covering over one-third of the global population. It found a consistent gap between the number of children people would like to have and how many they actually have.

Economic Pressures Leading the Way

The most commonly cited barrier was financial insecurity. Of respondents, 39% blamed general financial limitations, while 21% pointed to unemployment or job insecurity. A further 19% said housing constraints were a major factor, and 12% mentioned the lack of affordable, quality childcare.

The rising cost of living has placed significant strain on family planning. Global inflation peaked in 2022 at the highest levels since the 1990s and remains elevated. In the United States, housing costs have outpaced incomes by more than 65% since 2000. Meanwhile, child care in the U.S. now costs more annually than college tuition for many families.

The UN estimates that up to 3 billion people globally lack access to adequate housing, worsening pressures on young families and prospective parents.

Barriers to Reproductive Care and Rights

Access to reproductive assistance and legal barriers are further complicating family-building. Surrogacy remains banned in several European nations, including France, Germany, and Italy. Many countries also restrict fertility treatments for same-sex couples, and abortion laws are tightening worldwide.

The UNFPA report warns that some governments, alarmed by plunging birth rates, are enacting top-down fertility policies to push people into having more children — measures that risk violating reproductive autonomy.

Instead, the report identifies the core crisis as one of reproductive agency: the inability of individuals to freely decide whether, when, and how to have children. “It’s not a fertility crisis,” the report concludes. “It’s a crisis of choice.”

Business

Fraudsters are increasingly using AI-generated images and videos to trick people into handing over sensitive personal and financial information, according to FraudSMART, the financial crime awareness initiative operated by the Banking and Payments Federation Ireland (BPFI). The organisation has reported a rise in online adverts promoting fake, State-backed investment schemes. These scams often use fabricated images of well-known politicians and business figures to make the offers appear legitimate and encourage users to click on registration links. Niamh Davenport, head of financial crime at BPFI, said scammers are deliberately exploiting recent media coverage of a planned State-backed savings and investment scheme to give their frauds a sense of credibility. “They often claim the scheme is open to everyone, but that places are limited and being ‘snapped up’ fast, in order to pressure people to act quickly,” she said. “They typically promise guaranteed returns or a guaranteed monthly income.” FraudSMART said that while anyone can be targeted, people in their early 50s are particularly vulnerable to investment scams. This age group is often focused on retirement planning, making them more receptive to financial offers that appear secure or high-yield. According to the organisation, most scams follow a similar pattern. Victims are first directed to click a registration link and complete a short online form providing their contact details. They are then contacted by someone posing as a financial adviser, who urges them to make an immediate “security deposit” to secure participation in the scheme. Once a payment is made, the money is quickly moved through multiple accounts, often overseas, making recovery extremely difficult. Davenport warned that scammers are becoming more sophisticated in their use of technology, particularly AI tools that allow them to create realistic but entirely fake promotional content. These materials are designed to mimic legitimate financial advertisements and build trust with potential victims. Recent figures from An Garda Síochána show investment fraud rose by 20% last year, with losses exceeding €20 million. The scale of individual scams varies widely, ranging from smaller crypto-related frauds involving a few hundred euro to large-scale investment schemes where victims lose tens of thousands. FraudSMART is urging the public to remain cautious when encountering online investment advertisements, especially those promising guaranteed returns or requiring urgent action. It also advises consumers to avoid sharing personal information with unverified sources and to be wary of pressure tactics designed to rush financial decisions. Authorities continue to warn that fraudsters are adapting quickly, using advanced digital tools to target victims across multiple platforms.

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Business

Fraudsters are increasingly using AI-generated images and videos to trick people into handing over sensitive personal and financial information, according to FraudSMART, the financial crime awareness initiative operated by the Banking and Payments Federation Ireland (BPFI). The organisation has reported a rise in online adverts promoting fake, State-backed investment schemes. These scams often use fabricated images of well-known politicians and business figures to make the offers appear legitimate and encourage users to click on registration links. Niamh Davenport, head of financial crime at BPFI, said scammers are deliberately exploiting recent media coverage of a planned State-backed savings and investment scheme to give their frauds a sense of credibility. “They often claim the scheme is open to everyone, but that places are limited and being ‘snapped up’ fast, in order to pressure people to act quickly,” she said. “They typically promise guaranteed returns or a guaranteed monthly income.” FraudSMART said that while anyone can be targeted, people in their early 50s are particularly vulnerable to investment scams. This age group is often focused on retirement planning, making them more receptive to financial offers that appear secure or high-yield. According to the organisation, most scams follow a similar pattern. Victims are first directed to click a registration link and complete a short online form providing their contact details. They are then contacted by someone posing as a financial adviser, who urges them to make an immediate “security deposit” to secure participation in the scheme. Once a payment is made, the money is quickly moved through multiple accounts, often overseas, making recovery extremely difficult. Davenport warned that scammers are becoming more sophisticated in their use of technology, particularly AI tools that allow them to create realistic but entirely fake promotional content. These materials are designed to mimic legitimate financial advertisements and build trust with potential victims. Recent figures from An Garda Síochána show investment fraud rose by 20% last year, with losses exceeding €20 million. The scale of individual scams varies widely, ranging from smaller crypto-related frauds involving a few hundred euro to large-scale investment schemes where victims lose tens of thousands. FraudSMART is urging the public to remain cautious when encountering online investment advertisements, especially those promising guaranteed returns or requiring urgent action. It also advises consumers to avoid sharing personal information with unverified sources and to be wary of pressure tactics designed to rush financial decisions. Authorities continue to warn that fraudsters are adapting quickly, using advanced digital tools to target victims across multiple platforms.

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