The article explores how financial constraints and taxes impact fertility, education, savings, and economic growth. A model with four generations shows that easing borrowing limits can reduce savings and capital, affecting fertility and education. Financial reforms in less developed countries can boost the economy in the long run, even if they increase fertility and lower savings. Government subsidies for education and lower income taxes can improve savings and fertility. However, the effects on education and growth are less clear. Income taxes can decrease economic growth, while education subsidies can increase it.