I have 3 kids. I made sure I was able to support them growing up before I had them. Bitcoin didn't exist back then, but gold and silver worked well. Smartest decision I ever made. It led to a stress free (mostly) financial environment for us parents, which in turn led to us to the ability to raise healthy, smart, low time preference kids that turned into even better adults who stack stats. 

 You can instill low time preference and be poor at the same time. Actually probably easier to instill low time preference if you're poor. Being poor with kids is still better than being poor with no kids.  

 I would not have nor would I recommend having kids if you are or think you will be poor. I know many who are in that boat and they are miserable 80% of the time and happy in love the other 20% of the time. That's not a ratio I would volunteer for. Get you financial life in order first and then have kids. Work you ass off to get there and then keep working hard to maintain it. If I can do it, anybody can. 

 You should get your priorities right first. Kids take priority over finances.  

 Tell that to literally any 3rd world country. You have a very 1st world mindset.  

 I (we, mom and dad) worked our asses off and then at 26 had our first kid when we knew we were strong financially. We got stronger and had another kid. We got stronger again and had another kid. Then I got a vasectomy. 

 congrats fren!