Perhaps. Or it can be reformed.
Most my retirement savings comes from averaged market growth.
Kids are the future - having kids shouldn't be a burden. Most people will have only a few kids if given the chance, not 10.
Depends on your age, I guess. It's not like I manage my portfolio myself. I defer to e.g., Vanguard and they do what they do and I just watch the balance periodically. Once I get near retirement, I'll start reinvesting accordingly.