OK, yeah. “All” was wrong. Aside from IVF, 98% of us (in the US).
Your kids are waaaay more expensive than most. This is a fact they can use against their peers in school to assert dominance. Also, I blinked at the plural; did you just get lucky, or are you well-heeled enough to have gone through this more than once? Also also, my regards to your wife for the hellish pre-op chemical routine she probably had to endure. Yeah, your kids were hard-won. Kudos.