Growing expenses are deterring more couples from having children, contributing to the country’s record-low total fertility rate, say some financial consultants. SINGAPORE: Ms Vanessa Lim had initially set aside about S$600,000 (US$470,000) for her son’s future – a figure she thought would be sufficient for her dual middle-income household. But after his birth, new considerations like infant care, future enrichment classes and tertiary education came into the picture. Today, about two-and-a-half