[fiftyfifty]

There is an additional security that kids can provide their parents even today. I have 3 kids that are all in various stages of finishing up school and starting their careers. We've stayed pretty close as a family and there is no doubt in my mind that my kids will always be there for my wife and I as well as each other, if we were to need it. As it stands right now, current events have forced all of my kids to come back home (which has actually been kind of awesome), but if something like this (pandemic/recession) happens in the future those roles could easily be reversed. It helps that my wife is Asian and has instilled a certain level of family obligation in our children. It's a heck of an investment, supporting another human being for 22 years or more, but no one will look out for you the way your own family will.