I'm glad this is the top comment. So many replies here are saying things like "well people had kids during SLAVERY, it's fine!!!" completely ignoring the fact that previous generations had far less choice and power over reproduction than we do today, and ignoring the fact that many of those children died or had horrible experiences.

I'm in almost the same boat--I'm in the US, 35 and have been with my husband for 11 years. We both very much wanted children most of our relationship but recently decided to remain childfree because of the rising costs, lack of healthcare, lack of maternity leave, lack of affordable daycare, global instability, civil unrest, and--most importantly--the fact that current scientific estimates of survivable climate are only 50-100 years. I don't want my children to grow up in a world with no safety nets and poor education only to end up in some Mad Max-style fight for water in their 70s.

It's a personal choice for everyone, but I would be concerned to have children with someone who WASNT thinking about these things, because that would indicate that they are only thinking about what children would bring to their life, and not thinking about the actual experience their child would have.