How many people feel that they're here because they have a dependent?

I'd like to hear from people who feel like they struggle(d) financially because they have an adult or child dependent.

What is your toughest wake up call or "pivot" financially?

Background: All of my circles are Family Planning including ourselves. Everyone is done with the planning, most have already given birth. We'll be 1 and done; we're waiting a few more years to pay off debt and my parents are extraordinarily elderly. Depending on who passes 1st would decide their financial future and dependency on us as well.