Using your own suggestions, wouldn't it be better to postpone children as long as possible, diligently save that money, and give it to you children 15 years lat

Using your own suggestions, wouldn't it be better to postpone children as long as possible, diligently save that money, and give it to you children 15 years later, after it's had time to compound? I'm not understanding your reasoning. You seem to labor under the assumption that if you don't have children to help while you're in your 40s, the money you make will magically disappear.