The person you are replying to had a job (likely in tech), a house, a car, and a chance at promotion when the child was conceived. That seems like a better position than most.

If your implied threshold for conceiving a child is that you must have acquired all of these things plus enough savings to weather unexpected medical events and extended job loss then that seems like a threshold that the majority of couples will not reach during their childbearing years.

This is the biggest reason why people aren't having kids in the US and much of the West. Nobody actually can afford it anymore.

Usually having a child in a capitalist society would humble somebody. At least instead of money, they’ll have plenty of time to spend with their child