Without her ability to use her family connections to get high wage 500-600k/yr jobs, her ability to have three kids in 5 years in NYC would be very constrained, as her net worth of $15 million consists primarily of an expensive apartment and a stock portfolio a non-elite STEM(edical) worker could have accumulated. Her husband’s net worth as a stereotypical seven-figure bonus finance guy has more liquidity, perhaps, but it could easily be tied up in high-return private-access assets.
There are lower-tier versions of Chelsea Clinton, racking up degrees in between taking well-paying nonprofit and university administration jobs in the most expensive metro areas, but they get a lot less, more like 100-200k/yr and tend to correspondingly be childless long term whether married or not or have 1 pregnancy’s worth of kids (usually 1 but sometimes 2). And of course, the lowest-end of them are increasingly unmarried if they do become mothers.
What’s telling about this is that Chelsea Clinton is part of the broader political discourse pool arguing that such levels of wage income are too high and need to be taxed so much more, or simply made impossible to achieve at all without political and family connections by having essentially infinite job competition at all levels of education via a global labor market rather than a nation or region-bound one.
As a side note for a future discussion, Chelsea Clinton has also been given positions where the wage was low/honorary but the stock compensation was equivalent to a “bottom of the top” STEM(edical) salary (200-300k). This structure of compensation is very important and has had far-ranging implications w/r/t family formation and politics over the last 25 years. But this post is just about a child of elites who still has to get paid a wage to afford her relatively “bottom of the upper-class” lifestyle.