i dont mean to sound negative but to be honest IS THERE EVER A RIGHT TIME TO HAVE A BABY?
I mean, maybe in a couple of yrs time there will b something else that will crop up, u dont need to be rich to bring a baby into the world, yes its lovely to have money behind you and be debt free i can see his point there but isnt love and affection enough to have a child, was he debt free before he had his other children? i doubt it, i dont think anyone is ever debt free, sorry maybe its not what you want to hear, but i really do sympathise with you and i do hope you have the child you long for very soon
good luck