I see how little time and money my friends with kids have. It’s an easy decision.

I save hundreds of thousands more dollars to spend on myself for the next couple of decades, and significantly more time to spend doing what I want. Time that I can also direct at career-building so I can also earn more money.

I did the math and with just one kid, I don’t know how I’d retire. Without a kid, I am on track to retire early (if the world allows it when I reach that retirement age).