What title says,
unless one is well off himself one should not be having kids, this is my opinion.
What about you?
Having to do with parenting one needs to be prepared and it involves looking at other angles of life of which the economy aspect shouldn't be taking
furfor granted. So if you're well to do all round then you can go on with having kids. Remember it's a decision and you must be prepared to face every stages that it comes with.
I wouldn't want my kids to suffer so I'll do my best in setting the pace first before their arrival.