> A kid had at 40 will still be depending on your when you are 55
I had my kids 25-35; all 5 are adults. We live together as is befitting a 4 income economy.
> and if the kids goes to college
Do you mean go away to college? Yeah. No.
> may have some dependency on you when your peers are retiring.
Me and peers are all working grey. End of career happens with first major illness intersects with the lack of health insurance and we die.
> Plus if your kids have kids
If one of my a sons pairs off with someone and they both work, they'll still be 2 typical incomes short of self sustenance.
BUT, if they got married and then married another couple, the 4 of them only have to find one more adult - the one who will parent during the work day. After the last child enters school, the core 4 can kick parent 5 to the curb.
> Do not let fear of how much it will cost
No fear. Just math.
> or desire for more resources first
But if they had more resources they might only need 3 or even 2 adults working full time to afford basic bills.
> Do not let ... it ... stop you from having kids when you are still young enough to do well.
Parents can (and do) parent while living in their car...