Anyone else remember the Chinese proverb of the Three Generation Curse? - The 1st Gen earns it, the 2nd maintains/grows it, the 3rd spends it.
Most of us are 2nd Generation in this situation, possibly even 1st. Hope you guys with kids beat the curse somehow, but it seems like society at large is working hard to make sure it comes true. Tho us childless folk will be working hard to get to a net worth of zero on our deathbeds