What title says,
unless one is well off himself one should not be having kids, this is my opinion.
What about you?
Children are blessings from God and don't be self centered because assuming your parent thought like this, they wouldn't have given birth to you and you wouldn't exist. Life is all about planning and staying positive.
Sometimes, having kids will motivate you to think outside the box and look for other means to increase your income because you already have a responsibility to take care of. If you feel that because of family responsibilities that you are scared of and refuse to get married, it means that you are not a man enough. One child is enough.