This is clearly a very stark idealogical difference between your views and mine. Neither my wife nor I can countenance the idea of having children we can't afford to raise ourselves. Our personal situation is that I have an opportunity to move into a better-paid industry than the one in which I originally qualified - if that goes to plan then it will take two years from now to pan out. We know how much we can earn and save in those two years (based on what we've saved in the last four) and that allows us to plan when to start having children. It also allows us to work out how many we can afford. I don't want to be reliant on benefits to raise my child because that's an inherently precarious scenario, so I'm planning accordingly. The idea of just refusing to do the maths and start having kids now seems completely alien to me - I wouldn't take that approach in any other area of life, and every other area of life is less profoundly important!