> Aren't kids an asset at some level? They can be, but what is the payback and when does it occur? How liquid is it? For example, planting an orchard is an i

> Aren't kids an asset at some level? They can be, but what is the payback and when does it occur? How liquid is it? For example, planting an orchard is an investment. It won't start producing for a couple of years, but it may be sellable before then. While kids may eventually provide some cash flow to their parents, that may not happen for many years and is generally hard to sell.