What title says,
unless one is well off himself one should not be having kids, this is my opinion.
What about you?
This aspect needs a special kind of wisdom to operate, cause following the word go into the world and multiply it didn't say otherwise that you should have kids everywhere unplanned. So all of this are planned and that's why two people come together with interest and understanding and bear forth offspring, that's to say they are ready mentally, financially and otherwise.