The second.That's a big call.
Do you mean "a new baby wouldn't go with the couch I just bought" or "I have no money and a baby would crush all hopes of getting out of poverty for the foreseeable future"?
If having a baby leads to "I have no money and a baby would crush all hopes of getting out of poverty for the foreseeable future", I wouldn't choose the lifestyle of sleeping around, as that is the natural consequence.