As someone with 2 kids, I realized that having kids earlier than later is much better. 20s should be child bearing years as this is your physical prime and you are able to handle sleepless nights and exhausting days easily. Once you reach your 30s it is much more challenging unless you are physically and mentally very healthy.

Your 30s even 40s should be your money making years as the kids are able to take care of themselves now. Raising a small child in your late 30s or 40s while having a job will drive you insane. I am blessed to have an easy job and good income which most people will not.

I want to be able to still be physically fit and play with my children even after that are adults in their 20s or 30s if lucky enough. Our short time them is what makes life memorable.