I find that people use the lack of financial security as a reason not to have children. It’s an excuse. It means they probably, secretly, don’t want children. If people truly want children, money (or lack thereof) is never a barrier. People always find a way to take care of their kids if they really want them.
Another thing women seem to want is some guarantee that their husband will stick with them throughout the child-rearing years. I think this, too, is a chimera. I don’t know if there are algorithms that can help you predict if your marriage will stay together—I’ve heard there are—but when it comes down to individual cases, I doubt if they can be very accurate.
You have to just decide. Use your gut. Flip a coin. It really doesn’t matter. But my advice is that if you want kids, have them. The genetic material of the father almost doesn’t matter. The only thing that matters is his education level. It doesn’t matter if he stays with you or not. The magic variable is education level.
For the rest of it—money, daycare, housing, whatever—you’ll figure it out. You have no other choice.