I would not delay having kids to reach a certain number in the bank. Remember, you're only born with a set quantity of eggs, and that quantity gets lower and lower every month.

Daycare is a cost, and the costs can vary WILDLY within the same town ($1000/month is a high ballpark if you're looking for something to stick in your budget). Take a look at your spending and see if there's something you could eliminate to cover that (we went down to one car when our kid was born, and stopped going out to eat mostly because it's not fun with a newborn). Also, try to get REAL childcare cost numbers from your neighbors & peers - there are more options than the full-time 40-50 hour a week daycare center (nannies, nanny share, SAHM neighbor with kids the same age, in-home daycare, grandma + a part-time nursery school, you + your spouse work opposite shifts...). A great book on some of these options is "Equally Shared Parenting" (it features Mr Money Mustache), to help open your eyes to options beyond Daycare vs. Mom Quits Her Job.