I just have to ask what you mean by a financial decision. Was it because you thought you could never afford kids?
Earlier I wrote about a time in college when I -- mainly because of a boyfriend -- went through an "I'm not going to have kids" phase.
For me, money was the biggest reason I was leaning towards NOT having kids. I was raised without many things -- and I'm not talking about not getting a car of my own when I turned 16 and not getting a trip to the beach for graduation; rather, I'm talking about rationing shoes, waiting for eyeglasses, and wearing yard-sale purchased too-short jeans to school. We did without necessities. College was very hard for me financially, and at that point I was sick and tired of being broke and doing without. Literally, there were times in college when I went hungry. At that point, I couldn't see that I'd ever be comfortable financially. I couldn't see that I'd ever have "enough" to get out of the hole I was in, much less raise children -- and I didn't want to raise a child without being able to do it in middle-class fashion. At that point, I saw children as a sacrafice I wasn't willing to make.
Things didn't get better immediately after graduation. I got married fairly quickly, and we were on a shoe string budget. I went back to school for a second degree. We had everything we needed, and we were saving -- but there was no extra money. We had two children (when I was 27 and 31), and although we had no trouble providing the necessities, we never had a surplus.
Then suddenly -- I'd say between ages 30 and 33 -- our hard work and good decisions started to pay off financially. We'd moved beyond entry-level pay, we'd avoided debt, and suddenly we had extra money for vacations and nice things that we wanted. We began to treat ourselves a little, but we still kept a great deal of that shoestring budget in place. At that age, we started to feel comfortable . . . and we became debt-free AND had our kids' college money saved just before I turned 40.
I don't think this scenerio is uncommon.
My point: If money is your ONLY REASON for not wanting kids, don't make that decision while you're in your 20s. I think MANY PEOPLE "just make it" in their 20s, but their good decisions don't become apparent until they're a little older.
On the other hand, thinking back to that college boyfriend . . . though he never admitted it, I think that his main reasons for not wanting kids came from his parents' super-nasty divorce and the awful things that it put him (and his sister) through. He had terrible commitment-phobia, and I think that extended into children. I think he didn't think he could commit himself to a child for a lifetime. So his desire to have no children had NOTHING to do with money.