So you think that personal economics plays no role in having children?
Ok...
No, but I do think most people who claim they can't afford kids could afford them if they wanted to. They either settle for low paying jobs out of laziness and/or choose to spend their time and money wastefully.
You see it all the time: 30-year-old "men" working as store clerks, spending their money on booze and pot, or continuing to live off student loans for pointless degrees. Honestly, if the sexual revolution hadn't convinced women to give their bodies to such futureless losers, natural selection would weed them out.