What title says,
unless one is well off himself one should not be having kids, this is my opinion.
What about you?
Economy situations are never permanent one might be struggling now and enjoy in the future economy hardship shouldn't prevent one of not having kids if you can comfortably take care of one kid at the moment you stike with it if it's just 2 kids you keep on with it and gave birth to more when things changes for good, you might regret not having at all because at old age you will need one who will take care of you too sometimes children bring blessings to their family some persons life change when they start having kids.
Not having kids until you are, in other words, well off is a trap. Life is uncertain economy, health and circumstances all can vary in a twitch of an eye. If you are comfortable with one child at present, have it. Waiting until you feel you could do three or four is not a good idea; that much-desired right moment may never happen. Children add responsibility, insight and sometimes blessed surprises to your life. You may be sorry you never had any. Financial planning issues, yes, however in overthinking them you can lose more than a few dollars you can lose a family and life experiences.