Just to offer a contrasting view to any prospective parent reading the above, I find having kids to be totally affordable, on less income.

Try Christian health ministries. It is much cheaper than health insurance and they payed the entire bill for our 4 kids to be delivered. We also have found having one parent at home be a worthwhile investment in many ways. Cheers mate. I personally consider each of my children to have added to my wealth immeasurably.