Traditional/ religious wisdom in this regard is to have as many kids as Ishwara/ Allah/ God wills one to have. Among many other natural systems, we (humans) have been irresponsibly fiddling with the natural reproductive system of our (and other) species and pretending to be smart Alecs who can "plan" things. Your entire "wisdom" is acceptable only if he "DINK"s, "DISK"s, "SISK"s etc. have become so by following the natural methods of family planning. Otherwise, (i.e., if they have used methods like condoms, abortion etc.) then no matter how they plan their finances it will be difficult for them to lead a happy, contented, peaceful life (unless they take specific steps to atone for their mistakes). Anyway, in spite of repeated warnings and pleas, mankind has not backed off from the suicidal path it has chosen over the last about two centuries. Global warming is staring all of us in the face. In any case, you seem to be just doing your job (to say things your are paid to say).