What title says,
unless one is well off himself one should not be having kids, this is my opinion.
What about you?
If you are not ready to have kids don't push for it life is short so enjoy the moment if you are happy with your current status. Since if it happens that you are not ready then a child came maybe you became irresponsible parent and can't take care their needs so well.
But if you are open for possibilities and somehow ready for the consequences then its fine to have a child but take a consideration to have few children so that we can assure to give them proper care and education.
This subject is debatable and we provably could read lots of interesting answer from people since lots of us provably have different opinion regarding on this topic.