As a grey hair, it's not cynical enough.
Funny seeing your user name. When I worked myself to get ultimately nowhere but money that spends so quickly, the first thing that went was my music creation time.
Having children later in life is much harder/different than having them younger. You don't get to go back.
Your children are only children for a very short time. You don't get to go back.
Much of life is tradeoffs.