Not to mention, cruel towards people who are not financially ready for children and make a conscious choice to not have children without the resources for it, but get financially penalized for it.
I never do anything without being financially ready. I'm a big believer in only commiting to something when I have the cash to allocate for all of it. I wouldn't buy a car, house, anything without actually having the cash for it.
it’s more like getting into a cold swimming pool, you’ll never be fully prepared you just need to jump in