I'm not a father myself, but my wife(Irene) did have three children(two boys and one girl)from an earlier marriage, so I'm a stepdad.
I'm also a grandfather(papy)to five children(three girls and two lads).
Some people might call me lucky, but I miss not having children of my own. However, working on the retirement requirements for me, myself and Irene takes all of our resources.
I'm one of the fortunate few who will receive an indexed pension for life from their job(i.e. Canada Post) but that's not the case with my wife or most people in Canada or the U.S. They invest most of our free money in a house and/or a few RRSPs. Old age pensions from governments aren't enough to retire on.
Despite life's hardships and setbacks, the world is still a great place to live and learn in.