In all honesty, in my opinion its extremely irresponsible to reproduce when the financial stability is in question.
If your parents had the same view you wouldn't have been born to spew this diatribe, in fact if all our parents and our grandparents had this view we wouldn't even exist today.
Children are the greatest source of wealth you could possibly have, the ancient civilisations understood this concept robustly, even the clueless pagan understood what you fail to understand today, we would have been an insignificant minority group within Ethiopia with no weight or significance.
Children come with their own rizq, the more effort you put into them, the better they become as a collective for you and your family for generations to come.
The few years of poverty they will experience in a third world country will toughen them up for the rest of their life unlike those weak pathetic useless spiritless spawns rich families churn out who come with there pathetic entitlement syndromes and suicidal thoughts.
Had my mum took this backward new age poisonous ideology pushed by the Kabbalist Talmudist dynasties of Rockefeller's and Rothschild's which you are parroting, she would have died poor today and lived a miserable lonely life.
Instead the combined wealth of her 8 Children has given her the kind of retirement home and luxury only open to very wealthy couples today, now she can focus and dedicate herself entirely towards her akhira along with her Husband.
And once she departs from this earth, those 8 children she raised and the children they raised will continue to elevate her rank in the eternal life to come by the permission of Allah.
This is what is meant with 'Children' are your wealth and this is the correct Islamic view. The real irresponsible person is you.