Or you could also have a kid, and they may end up being special needs, which, depending upon how bad, also can't help you. Or you have a kid, and they end up being terrible to the point that your relationship fails when they get older and never want to see you again once they leave.
Having a kid doesn't necessarily mean you're guaranteed anything either. At least in your situation, you have the ability to plan ahead starting early as well as the extra income to throw at whatever solution you find.