It depends on your career. It says on your career card. But if you have pay raises you add $10,000 to your salary per pay raise. Every career except for the doctor, lawyer, athlete, and entertainer have maximum salaries, so make sure you don't exceed your maximum salary.
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No you don't have to pay in order to play second life. There are a lot of places and things that you can do without spending any of the in game currency (lindens) and still enjoy the game.
you downt have to pay at all. you get it when you start the game.
Minecraft is a onetime Purchase not every game is a pay to play...pay to play meaning you pay per month to play.
You can use money maker or wait for the next pay-day. Or, you could buy the EPF DS game or Game Day Wii game to earn coins from the game and transfer them to your online account. It's kind of still work, but Game Day is quite fun in multi-player.
You can give birth in the game "Second Life", which you can download for free. You can also give birth in the game "Sims", which you have to pay for. For a more realistic birth, I would go with Second Life.