You are talking complete nonsense. If you care so much about your retirement (I don't and don't know anyone my age who does, beyond putting some $ in savings),

You are talking complete nonsense. If you care so much about your retirement (I don't and don't know anyone my age who does, beyond putting some $ in savings), you would still need kids, because there is nothing more sad and lonesome than a poor old fart stuck in an old people's home who never gets visitors. I wouldn't wish that fate on my worst enemies.