Friend: I guess I mostly want to have kids so that I have someone to take care of me when I’m old.
Me: Though actually you could just save the money you would have spent on your kids, and use it to hire a full-time live-in caretaker for yourself when you’re old. Plus take some trips.
Friend: Ha! No way. I would never have enough money for a live-in caretaker.
Me: Ah, but you would, you see, if you saved every penny you would have spent on the kids you didn’t have.
Friend: Caretakers are really expensive.
Me: Kids are even more expensive.
Friend: Yeah, but they’ll take care of you when you’re old.