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>You're imagining yourself but with no money. I bit like a politician who says they'll live on minimum wage for a week to show how "easy" it is. Try living at the bottom of the pile for a few years with your wife and daughter and see if it alters your character at all.

My wife and I waited a long time before we had a kid - we waited until we were both physically and emotionally ready.

The flaw in what you described is that it's largely backwards.

Hard times do not alter core character (though they might lead to adjustments in how someone acts in the future), not nearly as much as character helps to deal with hard times. (And yes, we've had some hard times).