The dumbest line?
"Kids are pretty expensive."
NOT TRUE. I have two of them. I could easily afford 5 more, and not miss a beat. As long as you're not providing them with their own rooms, a free college education (which is stupid, even if you can afford it), their own entertainment center, lots of licensed merchandise, etc.
Just keeping TV away from your kids will save you $thousands. Your kids won't want all that licensed merchandise crap! (They won't be nearly as materialistic in general -- with no advertisements to make them want stuff)