What are you wasting all your money on then? If you don't have the money to take a girl out do you really think you're financially stable enough to have a family?
I dunno. I found dating fun. If it's a waste of time and effort, then why bother hanging out with women at all? As far as money, I certainly don't expect to pay for everything, all the time. Even the least "financially capable" of the women I dated insisted on paying when she could afford to, and often just cooked me dinner because she couldn't afford to go out.
I don't know about you, but I don't have the funds to go on that many dates even if I am the kind of cheap who always splits the bill.