I think the more important factor is determining whether or not you would be having children for the right reasons. Having children just to try to save an ailing marriage is not the right reason. If you do not want to have children, if the idea does not appeal to you at all and just gives you anxiety, then in my opinion you should not have children. On the other hand, if you really do want children but are concerned about possible struggles such as mood disorder episodes or not having a car, I can assure you that millions of people with low incomes and personal struggles successfully raise children the world-over all the time.

In my opinion it ultimately boils down to how you feel about having children. That is what matters by far more than anything else.