There are certainly no guarantees in life. There is a reason all our fairytales involve orphans or kids whose parents can't afford to keep them. But the biggest leg up kids can get from parents is their time. All the special programs and opportunities in the world aren't worth a few weekends tinkering in the garage with your dad. Kids absorb information from their parents far more effectively than from other sources.
Then there is how old you are when your kids have kids. Raising kids is hard, really really hard. Having grandparents involved is a massive cheat. No one is ready to have kids ever. Hiw many things have you done right on your first try? Grandparents close the learning gap ensuring that your kids will be better prepared for adulthood than you are.
Grandparents are also a life (and money) saver with childcare. Being able to jump in whenever needed. If each generation waits too long to have kids, however, then the grandparents don't have the energy for it. Heck it is bad enough taking care of young kids in your fourties.
If you start early your parents can help and by your fourties the older kids can fill in with the younger ones as your body slows down.
Waiting gets you more cash, but less of everything else.
