Stop with the fake drama, nobody said that. You listed less children as a plus and as a way to have less expenses. That is wrong hashkafically, and ignorant to boot.
Children are not created based on financial considerations and knowing that Hashem provides your finances is abc’s of yiddeshkeit. Someone who is scraping by with 4 kids, can be scraping by with 10 kids because they are mutually exclusive. Not having children for financial reasons is not often if ever a valid heter. And thinking you can have more money than Hashem allots you is just silly. If you think your parenting skills are limited, find out if marrying late is a good eitza. But to think you can proclaim less children to be a good move, contrary to most torah authority, and then flip the argument to whether or not kids are expensive is missing the point, and a weak understanding of Hashem’s role in our lives.