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As one who does not have any yet (g-d willing when it is right we plan on having), I do not have the answer. But my brother while in law school had 2, my other brother had 1, when he was just beginning to make ends meet. For both of them, at that point it was very hard, but you do what you have to, and you make ends meet.
I help out a relative by paying about 25% of the costs for school for his kids (they go to a private school)... But the point is, to get these bundles of joy, you have to make sacrifices, be willing to buckle down on expenses and do what has to be done.
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