Deciding whether to have kids is not a spreadsheet problem. Using hard numbers you'll never see a profit. It's always negative. But there are so many more benef

Deciding whether to have kids is not a spreadsheet problem. Using hard numbers you'll never see a profit. It's always negative. But there are so many more benefits to parenting that you can't put into numbers. You either want them or not. If you want to pass on your wealth then you should have them. Some people just don't want them. They are hard to raise and there is always the risk of heart breaking pain even if everything is great. Are you one of the ones that don't want them? Take a hard look and decide. If you are one of the ones that want them and look at the future and feel bad that you never had any then START. If you do have them then make sure you're a loving parent. Having parents that love you is worth anything and everything.