I have kids, and for me they did improve my financial life by forcing me to go back to school and get a real job (so overall benefit positive even though they are an expensive project) and also parenting is by far the best work I’ve done in my life. They are mostly grown now and seem satisfied with their upbringing though it was rough at times. So overall yes very satisfied with my decision but - I always wanted kids, always knew I would raise some whether I could biologically have them or not, it was the only thing I really knew I did want to do.

I don’t think there is a bad answer here - if you are good either way, you will be good either way. You will have a good life regardless. If you can share that with a child I personally think it’s a good thing to do but in no way essential to a fulfilling life if it’s not something you want.