Do you think people live in a disabled way all the time? Never because humans will live someday and live life and human life is never the same.  I will always say when having kids. Whatever the situation, if you are married, you must have kids. The child is a blessing and the family in which there is blessing is not a crisis of money. Because I think that the one who spends it is the same income.  For example, the population is high in your family, then your income will be much higher. Because it is always the Creator. Moreover, I never think that it is reasonable to have kids from the point of view of the economy.