Here's the deal CR, I think I've got it figured out.... I'm currently 35, never married, no kids, homeowner, with a career. I have a girlfriend, but no plans on anything past next week. I save over 20% of my income for retirement and will have a pension...hopefully. house will be paid in 10 or so years. retirement age is 51 and military retirement (collecting benefits) age 58.
When I'm 50, find a nice 25-30 year old girl with daddy issues who wants kids, maybe younger... who knows
Have kids after retirement, therefore be home for the rug rats.
60 when the kids are 10ish, wife is 35-40.
70 when the kids go to college, wife 45-50
80 when the kids are 30, 55-60. (lots of able-bodied people to change my diapers)
Then i'm dead, wife can marry to the guy she probably been banging for the last 20 years because the Viagra didn't work.
cons?