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.
That term In the bible "multiply" wasn't even talking about bringing forth offsprings alone, a lot of people are streamlining what it means to only reproduction...it actually means that we should be productive in every aspect of life both financially and materially...just like you said, two people shouldn't come together just to reproduce without proper planning because at the end it would lead to frustration