I want to emphasize - amortized child care and free elder care - it's labor but not capital, and most families have lots of labor to spare that ends up going to

I want to emphasize - amortized child care and free elder care - it's labor but not capital, and most families have lots of labor to spare that ends up going to leisure/free time right now in ways that probably aren't socially sustainable. I watched all but one of my grandparents go absolutely bankrupt from elder care costs (dementia on one side, alzheimer's on the other), then I watched my parents shell out on the order of 10k/month in long term care costs for years, and that was just their portion of costs, after splitting among siblings (7 total siblings across both sides). The only one who didn't go bankrupt had long term care insurance that you literally cannot buy anymore, at basically any price. So I'll add that expectation to my future payments. Combined with the 4500/m I pay now for child care for 3 children. Not to mention the possibility of 100k/year private education costs as we dissolve federal funding for education in public schools, and see declining school quality in general. All told... I firmly expect to end up housing my elderly parents anyways (and in-laws) because they simply didn't have as many children, and were the first generation to be completely pension-less, combined with what appears to be a truly incompetent admin in the US gutting the last shreds of our social nets and drastically increasing living costs.