You are absolutely right, Matto. The world has an awful lot of problems.
A person who decides against having children because they are concerned about their finances has a grave spiritual problem, not an economic one. If that same person suddenly found a job that paid three times the amount they now make, they would find some other reason not to have children.
I can't hardly think of any problem in the world today that isn't directly tied to spiritual problems.
A person must find his way to the Catholic Church and follow Our Lord's teaching. Follow them completely and constantly work on amending their own faults.