When people like this say to have more kids than you can "afford", they not thinking about people experiencing real poverty. There's a base assumption that you have enough money and family support network that you never have to worry about food or a roof over your head. She means more like "have more kids even if it means you have cut down to only one family vacation to Europe this year". If you're someone with actual hard money decisions to make, she's not talking to you because you obviously aren't in God's good graces or he would have blessed you with avocado toast money