I don’t think I’ve ever before read this perspective— “yes, I put off having kids too long and just as predicted, I regret it,” but I’m glad you wrote it in this way. Not all regrets are tragedies.
The closest I can relate to it is my struggle about whether to have a baby with my second husband. I had two teens when we married and was 40. We could not decide but ultimately didn’t. I really wish we had that child! But my career ended and we went through some years of deep financial struggle. How could we have made it through with a child? So maybe we chose the right path ..,. thing is, you never know.