[nmfisher]

We (38) had our first child this year, and if there's one thing I wish I had done, it's had kids earlier. Probably in my late 20s. We didn't have any complications during pregnancy but it would have given me 10 more years to see my boy grow and would be physically easier on my wife.

Financially it would have been more difficult, but by no means impossible. On the other hand, I probably wouldn't have taken the opportunity for a complete career change, which would have made me miserable.

So if you hit professional/romantic stability in your 20s, I'd strongly encourage you to have kids as soon as possible.