Having kids is bad for your financial health as well but not all rewards in life are financial.
financial health is not a goal, but a means to an end.
Getting good financial health is a means to having kids (ie, you will give your kids the best advantage they could if you're more financially capable).
Every case is different, but I don’t think you have to be under one roof to significantly help some people keep their independence and avoid spending money on caregivers that are very expensive especially