If, as you say, it is true that you would not be able to pay for a hospital stay you may have other less expensive options - such as home delivery.
Mrs_abbott was right when she asked:
Are you willing to sacrifice and do whatever it takes for the baby’s well-being if/when he/she is born?
I think the key word here is
“you” .
While pregnancy itself is not a sin I certainly would feel that it is socially irresponsible of you to
“seek pregnancy” before you can provide the “basic necessities” for your family.
This could be considered a sin since you already know that you intend to ask for the help of others for those things you as a family should primarily provide for yourselves.
In short, we should practice charity on each other. I (as the community) should show you charity in times that you may not be able to help yourself. Likewise you should show me (as the community) charity in not presuming on my generosity.
Your current situation might constitute a serious enough reason to “avoid pregnancy” temporarily.
It would not be a sin to “avoid pregnancy” for a serious reason nor to become unintentionally pregnant.
Question :
Is it a sin for a young man to move in with his parents because of expenses ?
No.
Is it a sin for the young man to intentionally not get a good job and move in with his parents presuming upon their generosity ?
Probably.
tjp