 I didn't have a child until I was 35 years old. Guess what? I retired at 34. I had plenty of money to raise a kid. Before that, I didn't have the time to raise a kid. So when I didn't have the time to raise a kid, I needed the time, and that's why I retired. So you may have the money to raise a kid, but you don't have the time to actually raise the kid, right? Secondly, it goes into a woman being 35 years of age might suddenly want to have a child