I've merely skimmed the birth control, s e x, parenting thread and had to bite my tongue a time or two. I won't bore you with anecdotal references but I will say 'the best laid plans of mice and men ...' (too lazy to google for the complete quote.)
The salaries in my area, except for sometimes overpaid executives of both genders, are rather modest (aka low). The cost of daycare might be lower than in other parts of the country (no statistics to back this up just a gut feeling) but it still takes a big percentage of working parents' take home pay (see previous comment about guts).
So, the answer is
(a) don't have kids (b) park the kids with relatives (c) bite the bullet and pay whatever it costs (d) don't work (e) turn baby making into a business by selling the kids (f) none of the above (g) some of the above