90+% of US adults have no biz at all being parents. they lack the knowlege, patience, and money to do the job right. Each kid costs you at least 1/2 million $ to raise properly, if you are not freeloading off of the tax payer for his schooling, etc. since you and the wife can easily both retire in US on 1/2 million, the choice is kids and 40+ years of work, or no kids and retire within 10 years. If you move to the third world, you can have both the kids and the retirement, if you know jack squat about investing.