What Downix said. Your money is only taken by Kickstarter if the goal is met.
There are other crowdfunding sources that take it anyway; the goal is just a pencil mark that says "we'd like to get here." Those deliver on their rewards and take the money no matter what.
Whether it's wiser to run your crowdfunding on one or the other is a question of whether getting part of your goal would be sufficient to make use of the funds towards production, or not. That is, if NOT meeting your goal means the money isn't of use (perhaps because it really was a minimum value you NEEDED to take 'the next step'), go with Kickstarter. If it's "any amount will get me closer, so it's still worth it to my donors," then other sites are probably better for you.
In this case, it's Kickstarter, so donate what you can afford if you want it to have a better chance of succeeding. If it misses its goal by its deadline, you'll not be out the money.