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[–] daskapitalist ago 

The thing about widows is that if you have dependents, then you either bought term life insurance or both of you are retarded. It's incredibly inexpensive and means that if you die at 21 your spouse will be sitting on $1-2 million and never need to worry about resources.

Anyone who even considers children without that prerequisite is so irresponsible and low IQ that no sane person would go near them.

[–] nougat_hater 0 points 1 point (+1|-0) ago 

I concurr, not having life insurance with inequal incomes, etc in marriage with a death is a recipe for disaster

[–] daskapitalist ago 

It's one thing for DINKs to not have life insurance, but if you have dependents it's a must because no matter whom dies you're either replacing the primary breadwinner or hiring a full time nanny to substitute for the stay at home spouse. Neither is cheap.