My grandmother lived in a family of five kids and her parents were unemployed (her father was disabled in a factory accident in the 1920’s) during the Great Depression and homeless. Most of the world is considerably poorer yet have more children. You can afford to have children, they’re only expensive if you lavish wealth on them. That’s not strictly necessary, education is free. What people usually mean is they don’t want to sacrifice their standard of living or disrupt their way of life. That’s fair - but literally everyone can afford to have kids, that’s why so many kids are born into poverty yet reach adulthood. :-)