You may be ok with what you're doing - but the rest of us aren't.
Just to tackle the "you don't have money for chinchilla surgery" - so what's going to happen when mom has a problem during one of the births? We had a rescue here who came in a 5 months pregnant (oy). She gave birth fine, but the babies basically ripped their way out of her. She had to be spayed after hours at the vet, to the tune of $700. She died anyway, but the point is, we had the money and we tried to save her.
A neutering or spay during normal hours, albeit risky, would surely be less costly than that. If you can't afford that, how are you going to afford when something happens? What if, during your intros with the dad and kit, one of them had bitten a chunk out of the other? No money for that either? Chins can injure themselves, or other chins, or things can happen during pregnancy that can cause lots of expensive vet bills. But you don't have the money? How are you going to explain that to the chins when one of them is bleeding and dying and suffering?
See, I feel for the chins. We get in chins that need medical care all the time, and people often will tell us "I just can't afford it." The thing is, they RECOGNIZE that they can't afford it, and give the chins to the rescue which can (we at least have credit cards for when the cash runs out). You, on the other hand, are saying you can't afford it... but oh well! It's as if you don't care, and it's reckless to have chins, especially to have chins that are actively breeding, and say you can't afford the surgery. If you can't afford a few hundred here or there, you should definitely not be breeding chins.
If the chins don't all get along when separated, here's a thought - give some to a rescue or sell some. Forget selling the babies, let's not even talk about that - sell the Dad and the son and there won't BE any more babies for you to worry about selling.
People like you are the reason rescues dislike byb's. I can't tell you the number of times at the rescue when I've gotten in a handful of chins cause someone had mom and dad together and "couldn't separate them" and then eventually handed those two chins over, along with their 5 adult babies.
I don't understand why people find it so difficult to separate the male. Despite the god-knows number of times I've been told "they're a bonded pair and the male will die [or something else horrible will happen] without the female" - the male/female rescue pairs are ALWAYS separated when they get here and NOT ONE CHIN has yet died as a result of being separated from a male/female pair.
/end rant.
