fiance's daughter....

Since I've met my fiance's daughter she has been insistent that him and I need to have a baby (and if not us, then her. ) She's 14. the last thing on her mind right now should be kids! Especially since she isn't even allowed to come home right now. She should be focused on her own health and wellbeing so that she can come home. How do I explain this in terms that she will understand without making her feel attacked or think she's the reason I can't have kids?

plus, besides the fact of her being in a mental health facility, I just quit my job and am now working on building my own clientele and building my business. Financially another child right now would not be a good idea! No matter how much I would love to be able to have kids, I'm not in the place to pursue any type of help.