It really depends on your view of life and what you want. I personally would have felt that my life was unfullfilled if I didn't have children. I would have had that longing all of my life. In some ways having children may wake you up to finances as you realize you have to plan and think beyond yourself so in some ways it is financially beneficial to people. A childless friend of mine doesn't necessarily save any more money than we do. She takes several trips out of the country every year so she still spends and probably as much. Instead of buying a minivan she buys a sports car and so forth. So, the difference may not be that much either way.
Life is not easily quantified in dollars and cents. You really have to decide what your life is all about and then seek the life you want.
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