Honestly, I think your mindset needs to change. Namely the mindset that having 'burdens' is bad. A burden is a responsibility that's unwanted. Credit card debt

Honestly, I think your mindset needs to change. Namely the mindset that having 'burdens' is bad. A burden is a responsibility that's unwanted. Credit card debt is a burden, because you are responsible to pay and you don't want it. Children are certainly a responsibility, but whether they're a burden depends on whether or not you want them. If you don't want them, then of course they're a burden. If you do want them, they are a responsibility, and wanted responsibilities are not burdens. The opposite of an unwanted responsibility (a burden) is a wanted responsibility. Another word for wanted responsibility is investment. For example, the CEO of a startup has a wanted responsibility to make their company succeed. This is an investment that could pay off big time if they put in the work now. Thus, whether children are a burden or investment is really up to your mindset.