Is it ok to have a baby?

Ok....heres the deal. I'm getting up there in age and well....my husband and I arent exactly super well off financially. Not quite poverty level, but in between there and middle class...we both want a baby but know we're going to struggle financially. BUT, what greater love is there than that for a child? I know I know, there are going to be opinions voicing that I'm selfish for bringing a child into the world knowing very well that I cant afford one but I'm a mother in my heart, and I'm desperately needing my baby....can I just get some opinions or advice from other women who have had to struggle financially AND have had children....do you regret it? No judgement here, just honest insight please....

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