The game is designed to give the player options. There is nothing wrong with continuing to play with only children in the house if you are not yet ready or willing to end the current generation, since the children still have the "guiding hand" (you) to take care of them. Even if there is not much of a bank balance, children can still make enough money selling collectibles to provide for food and other necessities. That's part of the choice. If the player doesn't think kids should be in a house without parents, they can "fast-forward" the generation to when all of the kids are in their 20s and ready to possibly inherit the house. If you are just not ready to say goodbye until the last child goes off to college, you can also continue to care for them until they leave for college and then make the transition. Or you can make the transition at any time in between. It's all about choices.