I have not been married by age 50 because, among other things, I am afraid of divorce, eventual incompatibility or the randomness of choosing one from a billion nubile women ("the grass is greener"). I know all too well what falling in love feels like - one of the most intense passions (temptations?) I have had the pleasure to experience - but that alone cannot make a lifetime bond. I love more my closeness with a girlfriend of seven years, but not enough to risk my future and savings with marriage. I am sorry if she thinks I am leading her on. If I appear miserly, let me explain with the example of children. Because of a serious inheritable illness, I would not want to pass onto them my genes - likewise, adopt kids. Similarly, my emotions would erode under the stress of 24/7 kids, although I love children in general. My savings and small salary are enough to live comfortably into old age and a decent nursing home (I currently prepare by volunteering at one), but not to support a family. Also, there are way too many dangers in this world for me to justify bringing kids into it. Please relate your experiences with these major life decisions.