South Korea's low fertility rate can teach us.

Yun-Jeong Kim always imagined her future family:

 married with multiple kids, a wonderful home, and a dog.

She was 31 years old and living with her younger brother and parents when her Seoul,

South Korea, apartment lease became too expensive.

Kim, a product designer and art instructor, says her dream of having children "just a fantasy"—especially now,

when housing expenses are rising, the job market is saturated, and marriage rates are falling.

"I'm shocked," she said. "This is reality."

It has resulted in the world's lowest fertility rate since 2013.

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