Yeah I mean, if you are destitute in your own life don’t have kids, terrible financial decision. But if you are actually making/saving money, it’s not as horrible as people claim. Daycare in early life is the biggest expense until college. Also you do get some tax breaks in the US with kids so that offsets it a bit.

The biggest risk beyond daycare is if your kids have major issues, cause that can cost a lot of extra time, money, and your sanity. But that’s a roll of the dice.