For starers, neither one of us here have the right to tell anyone when they should or shouldn't have a child. The right to reproduction is one of the things that sets us apart from countries like China. So no one has to follow YOUR game plan for life based on when you think is the best time to start a family much less do anything else.
Second, I've seen people live in big mansions, drive 100 thousand dollar cars, making 150K annually and they still live paycheck to paycheck (yes, believe it or not, it happens). These are people who live above their means. They purchase the big fancy, flashy objects and don't take into consideration how tight their budges are come the first of the month. Some of these people are some of the folks who where standing in the unemployment line when the decline of the economy hit rock bottom; and they're now 'working class' because they lost money in the stock market, they lost their jobs and homes. So that fancy life style went out the window. And some of them had kids! Some of those people still live pay check to pay check because they either have money tided up in bad investments or they spend carelessly based on the fact that they have money to spend. So when it comes time to pay the bills and mortgage, their budgets are just as tight as those working class people you've about.
And to be honest, the majority of us here are working class citizens. The definition of working class if citizens in any society is any individual that works for wages. I understand that its commonly referred to as individuals that work for lower wadges, but if your current employment pays you a set salary then YOU my friend are working class. Unless you own a successful business and have people working for you (to generate your income) you're working class.
Your family was working class; and you where allowed the chance to be born and make a way for yourself in life, my family was working class and I'm doing just fine. So just because ones parents may have been 'unskilled' or worked for minimum wadge it doesn't mean that he/she will lead the same life. Some kids who're born to working class parents end up becoming so successful in life that their parents never have to work again (I've seen this first hand).
Edit: Just a little side note, almost every consumer here in the United States spends money on things they don't really need (i.e. alcohol, cigarettes, lottery tickets and cable T.V.) everything from big gas guzzling SUV's, to plastic Cosmetics surgery. There are pet owners who'll shove out $600 dollars to have their dog or cat's fur painted into a specific pattern (WTF). I see people of all classes buying these things that they really could do with out. Regardless of how much money they clear annually after taxes. To be honest, no one can really afford to (or should) waste their money on any of these goods, but we do it anyway.