Great thoughts! If I were you, I would do the exact same. Also I think, I'm gonna do the same.

When I reached my adulthood, a thought always offended me. I thought, I won't marry or bear kids until or unless I'm financially sound. This was so hard stuffed in my soul because I myself was raised under so much poverty. I couldn't go to a food school, couldn't enjoy my childhood with expensive toys or teddys, when I became adult, could never live life in the way I wanted to. My financial responsibilities came so early upon me that I almost forgot the joys of life.

I don't want this to happen with my kids. So, yeah that fatter accounts matter. But, here's an unwanted suggestion, build assets instead of making accounts fattier.