Obviously it’s not for everyone, but I had this conversation with my parents after telling them I planned not to have children and it was… Fine? Kind of a bonding moment, even, we mostly just laughed about it.

Not every parent/child relationship trends this way, but for some of us there’s a point in adulthood where you just become friends with your parents, and the parent/child roles sort of fall away. If everybody’s mature and secure enough to handle it, talk about whatever the hell you want to.

I am quite certain that you are a skilled enough communicator to not say

If I had to redo my life, that’s what I’d do.

Which is directly wishing your children were never born, and is a fundamentally different conversation from “By all means, opt not to have children - our financial lives would look quite different if we did not.”

As with most things, how you say it matters as much or more than what you’re saying.