<p>Exactly. I was talking with my husband yesterday about just that. In a society where children are expected to take care of their parents financially and physically when they age, it makes sense to invest all you have on your children. Here in the US, the best favor you do to your children is to make sure you are out of their hair when you age, and the best you can expect is being tossed into a retirement home. It does not make sense to throw your last card on your child, it does not do him/her a favor.</p>