Thank you all for giving very valuable advice.
It seems to me that better to include the dependents by managing money?
But, I have few more questions.
1. Firstly, if the Visa is granted is it mandatory that I have to be in Australia immediately with my dependents also??? Because, it is involve lot of money. unless I get a job.
2. Secondly, currently, my wife does not have English test yet, so can I include my wife??? is there any effect of my application if my wife does not meet English if I include as dependent??? or what is the procedure she does not meet English, please advise??
3. Thirdly, our medical is done and already case officer is assigned. in this stage I can include my wife and child??
Many thanks