You shouldn't do things that you can't afford.
Ben is thinking of having a kid but him and his wife are both unemployed.
Ben has to make a decision on whether to have a kid.
Ben decides to wait on having a kid until he can find a job.
Ben and his wife decide to have the kid while they still don't have jobs.
Ben doesn't have to worry about taking care of anyone and can focus on himself.
Ben's child suffers, and Ben is overwhelmed with everything he has to do.