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I have kids. It's tough. You're right. But hopefully your wife doesn't suck and helps raising them. Mine decided she was going to be the sole bread winner without discussing it with me, leaving me to raise the kids, ending my career in TV production. Fast forward a year. Her mom is riddled with dementia and her dad died unexpectedly, leaving us some money because stupid boomers buy whole life, not term life insurance. I guess what I'm trying to say is, it gets better. Usually.