Many, many variables. If my wife or I had passed away in the last 6 years, we would have to spend money on childcare, which we otherwise didn’t. Those costs have gone up. Benefits or taxes taken from check. Groceries for 4 kids, extra curricular activities, home maintenance costs (I mow my own yard, but my wife wouldn’t), car note, eventual college costs. Starts to all add up.
It certainly helps later in life when you don’t have some of these costs. I want my wife and kids to continue to have our standard of living if I die. Just my preference.