In most western societies there is now a totally overblown standard of what you are supposed to provide to a child. Yes, it's good to talk about what children need or even to argue what is optimal. But the best you can do is all you can do.
My personal opinion: If you feel an honest need for children and have the opportunity, don't wait. Maybe there are some reasonable caveats or reasons to wait a few years, but not many. People with a desire to have children (some people like me don't have it) won't be much happier without having at least tried than in a "suboptimal" situation after becoming parents.
I wish I had kids earlier (I was almost 40 when becoming a parent). But it’s hard to come to that conclusion until you have kids and realize you’d rather have more shared time on earth than whatever you were doing prior.
