I enjoy kids, but when I sit down and figure out the math, I don't like them enough to risk my retirement (or early retirement). This is the driving force behind making sure what kind of people I get involved with and ensuring that protection is always a necessary precaution. There are also a lot of other things I would like, in life, but am not willing to risk a couple hundred grand or more on for the limited return that comes with it.
If I were a multi-millionaire, it would be a simple thing to accept (well, no it wouldn't - lack of sleep, diapers, screaming, babysitting, teen years, mooches, layabouts, etc). Not being a multi-millionaire, it is an easy decision -- just like deciding not to buy a yacht is an easy decision.
I just feel bad for my parents. The burden of raising three children has made it a difficult life of sacrifice and less reward or stability. One, likely, without even any promise of affording a retirement as they now approach that age. This won't be a burden I shoulder, however. As most parents desire for their children to have more successful lives than they had, I will be saving myself that burden. (But let's be frank, I'll probably die very young from shitty health anyway, so it isn't like there's a long retirement to contend with anyway!).