Minor footnote (and I love your article!): some who are done raising kids are now caring for elderly parents. Doesn’t take away from everything else you said, just a possibility. My wife did it AND kept working full-time, but we were also able to hire at-home care when Dad (and later Mom) got to be too much.

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Husband & retiree. Developer, tech writer, & IT geek. I fill what’s empty, empty what’s full, and scratch where it itches. Occasionally do weird & goofy things.

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