When you make the decision to have a child, you can not predict what financial position you will be in several years down the road. There are people who have well-paying jobs and have all of their finances under control, and five years later are living on welfare because of economic recession, job lay-offs, inadequate insurance policies, irresponsibility with money, etc. As long as you are able to provide your offspring with basic human needs (adequate shelter, safety, clothing, and food supply), you should be allowed to have children. You can't tell people what they can and can't do with their reproductive organs in a democratic society. This isn't China.