You DO need money to have children.  This is why me and hubs waited 6 years to have one, enough time to get out of school debt and build a nice little nest.  (Goddammit, birds have it right; build your nest, then put the babies in it!)  To have kids when you are not financially ready is selfish.  These people think of children as objects, not as actual human beings who will have their own lives and dreams.  I feel sorry for that kid. Already in The System.