I did the opposite— I had my children in my mid-20s. I had an empty nest before you became a father! If I had waited for financial stability, I’d never have had kids at all. I think a lot depends on life circumstances that might not be under your control, like when you meet the right person. I really, really considered having more children with my second husband, whom I married at 40. We went over all the pros and cons endlessly. We ultimately didn’t. But we will always wonder what might have been.