Seriously, that you have the intelligence to type coherently baffles me...
Obviously, it is not wise to conceive when you have a financial situation that leaves something to be desired. But guess what! Sometimes, things change over the course of 5, 10, 15 years! Often for the worse! Work places disappear, markets rise and fall, businesses have good days and bad days, and so on. And when that happens, it is your family's duty, to stand behind you and give support!
Unless you drank and gambled your money away, of course...