What title says,
unless one is well off himself one should not be having kids, this is my opinion.
What about you?
Even if you give birth to a child, your responsibility does not end, but rather it increases and if you give birth to a child in a situation where you are not financially well then there can be chaos. Many people, considering their social responsibility, are interested in having children even though their financial situation is not good, which is certainly not logical. You should establish yourself and if you can be financially well, then you should only have children. Otherwise, family lead unhappy life.