I read in EMB that one of the reasons to abstain from PMI is for the sake of our children. But what if children is not in one's future. I'm 35 years old and soon to be 36 and don't know if I would ever marry. But I made up my mind that kids are not in my future. I have no intention of adopting, or marrying a single parent, and having kids biologically is not only unlikely but also more likely to be born with problems. Not to mention I am in a job that doesn't leave much time for a family and is also a dangerous occupation where I might not come home one day.
Lets say I did marry someone at 40 and became a father at 45 (hey, I want to experience a few years of marriage without little ones around) by the time the child is 10 I would be 50. By the time the child is 20, I would be 60. By the time the child hits 30, I would be gone. That is assuming I would even see 50 or 60.
I know I should never say never. But I really wonder why I should be open to having kids myself.

