If you are really asking anonymous strangers on the internet and not just posting because you have nothing better to do; then I would say you probably should not get married.
At 28 years old a man should have enough sense of his own value, purpose and plan to not have to ask the sort of questions you are asking. These are questions you should have been thinking about 10 years ago, and by now you should have them resolved and be WELL underway with a plan, if not already married.
If by 28 you haven't worked out whether you want to be married or not and are still wondering what to do about life, then I would suggest some serious reflection and throwing your ass into gear, whatever you decide to do.
And yes. Being married does require money. Children cost money, child care means one of you not working. Then there are grocery bills, local taxes, education costs (homeschooling is cheaper than private schooling but it is not CHEAP). $50-60,000 a year (before tax) is probably enough if you live a very basic life. If you want to run a decent car, have 1-2 children per bedroom, not 3-4, eat nice food and take a family vacation once every 2 years then you'll need closer to $100k gross.
My household energy bill alone is $4000 per year, (gas and electric). Water is another $1000 and that is very cheap because of where I am. Local taxes (property tax is $4000). Then there is maintenance on your home. I just laid a new kitchen floor and shopped around for the best deal, $5000 for 350 sqft including leveling the subfloor. It is good and should last 12-20 years, but that is what stuff costs.
I do know some Trad couples permanently living on welfare, but ALL of them have serious marital problems and all bar one of them have remained in that state. Many of them "stop" at 2-3 children because of the economics. Stopping means they abstain from sex for good. Now there are circuмstances where particularly holy people do this and it can be a good thing, when done for the right reasons. But in their case the decision is a purely economic one. They don't have the space and they are struggling economically with 2-3 children. Under those circuмstances it is problematic.
Moreover, look at the long term economic prospects of Western Europe. Governments are broke. Welfare programs are going to be cut to the bone and even in placed like the UK, people are now being forced to take any job rather than refusing to work. So it will be MUCH harder living on welfare over the next 20 years than it was in the previous 20.