Irrelevant point. Whether it's fiscally prudent or not is what's at stake. Generally it would seem it's not a good idea (financially) to have kids. If you must,

Irrelevant point. Whether it's fiscally prudent or not is what's at stake. Generally it would seem it's not a good idea (financially) to have kids. If you must, wait until your career is at a point where you can be assured you won't have to raise them in near poverty-like conditions.