What about you?
You do not need to have a lot of money before you start having kid(s), all that matters is that you earn reasonably well to the point that you can take care of yourself and the kid(s) as a parent. Your wife or husband (as the case may be) should also be working to make this comfortable.
I am male

And regarding spouse 'needs' to be working in order to make child's life comfortable, such couple are better off not having kid in first place and should continue to live their lives comfortably instead of sacrificing their comfort by creating a kid.
What title says,
unless one is well off himself one should not be having kids, this is my opinion.
What about you?
You're saying that you believe everyone born into this world has a purpose, whether their conception was planned or not.
Where did I say that or implied so?
You feel that since we are born, we have a need to survive.
That's a fact.
Women are helping mate so as children too when you get old this people takes care of you when you also train them well they become your eyes in future but before we should go into this let's make sure we have a source of income to enable us to take care of our responsibilities.
Ngl, I felt lowkey disgust at, "train them". Such mindset is also seen in my country where children are treated as retirement plans, it's deplorable.
Edit:
People give too much authority to religious books.
It’s a teaching that before the law of the land there is the law of God. If you believe in God then you will agree with me that His law should come first above any other law.
I don't believe in God.
You say this as if it takes much to create kids, everybody can be a parent, but only few parents live upto parental duties — i.e, giving nurture, care and education.
It’s hard to explain because being a parent our love is unconditional.
It's your kid, so you love him. Isn't that first condition? (I am not sure if it makes sense, feel free to argue).