I'm not entirely certain of your statement (grammar), but I think it may also argue for not having a family before you are financially capable of having one.

Having a family is a privilege, not a right. You should only have one when you can afford to house, clothe and feed them as well as contribute to your own retirement. You wouldn't take a vacation to Tahiti if you can't afford to buy bread for yourself to eat...why do people think it's ok to raise a family on a salary that is not sufficient?