That title was a piece of advice I received some 6 years ago. I wanted a child, but I felt that things would be too difficult with my husband still in college and we both were working near minimum wage jobs.
While at work at the grocery store, I was asked by a co-worker why I don't have any kids yet (I had been married for a few years at this point). I just replied that I don't have enough money to have a baby just yet. She just said, "If you wait until you can afford one - you'll never have one."
You know what? She was right and it made perfect sense to me. Much of our lives are spent getting to some point that we feel we are financially secure (and that point varies by person). There comes a point where you have to remember to live life at the present and not just live life for the future. After all, none of us really knows how long we will be here on this earth. Might as well make the best of the time we have here.
It probably wasn't but a few months after that before I became pregnant. Although I was scared out of my mind on how we would afford diapers, formula, etc. - it all went away when I held my son for the first time. Do I regret not waiting until we had better jobs? No way.
No amount of money could ever compare to the first time your child gazes into your eyes.
And if you are wondering - I think it is nearing the right time to try to add another member to our family. My clock is ticking :)