I hear you, I don't have children either at age 39.  I am educated and didn't believe in bringing a child into this world without someone to play with so a must have 2, and that would be even more money needed and security first.  Plus, I too wanted to do this with someone.  Not just have "fun" first, then figure it out as it comes.  The world doesn't work that way anymore.  It's soooo expensive to live even half the quality of life that was once had back in the 1960's or earlier.  And kids need even more education to be successful that ever before also.  It's like our generation got caught in this whirlwind of change of prices going up, qualification for jobs becoming ever more complicated and we got lost in the middle of it.  I see many more men and woman, because I'm a man and want to include men in this too not having children and realizing with each day we are older and older.  I think the "fun" of having children without having to plan so hard to get them and raise them in a quality way has been gone since the 1980's left.  That's the last time I remember mom's talking with excitement about their raising their children and the last time raising a family was a bit less stressful and just more living in the actual joy of life.  Life has become way too complicated!  So to say I love your story and it brings me some peace about my life and not having children.  Thank you!