The worth of having kids has to be decided by you. You have to decide if you are willing to give up certain things in order to get others. If you don't think you are, then don't do it. The option to have children...like politics are individual choices.

Personally, I went through a period where I absolutely did not want any kids. (High school) Now, I want one very badly, but will not even consider it until we are more financially stable.

Some days I come home from school and I am so glad I don't have kids...but there are a lot more days where I look at a family with a baby and I am incredibly jealous.

I think it's gotta be you and the potential father's decision ultimately.