Having children as an investment is stupid. You have children because you don't want to be alone. You want someone to talk to when you're old.
The truth is we eventually die, but there's a way to leave something behind. We leave a part of ourselves in our children. They keep all the memories and remember all the things that we taught them.

99% of children will cost you more to raise than they can ever give you back, simply because that's how time works. If you have a kid in your 30s, by the time he or she becomes financially stable you'll be in your 60s. How many years will you have in which you can really enjoy life, even with a lot of money? 10? Are you going to leave your kids with the thought that you were a burden to them in your last years?

I'd like them to enjoy life, do all the things that I wasn't able to do and not worry about me. I'll make sure I have enough money to take care of myself when I'm 60+ and let my kids start their families and have fun.