i wanted to respond to this comment, but it's dead: https://news.ycombinator.com/item?id=33261300 so i'll write this here because it fits. i hope you'll notice it some day :-)

i fully agree. i had my kids late and i am almost fifty now. i am not regretting having kids so late, but i feel much better than i thought i would feel at that age. and that's what got me thinking that having kids earlier would mean we'd now be independent and, given the higher income would be able to do a lot more interesting things than i was able to earlier. again. i have no regrets, especially because i was able to travel and live in many different places before i got married, much more than the average person, which i would not have been able to do, had i married and gotten kids earlier. so it's a tradeoff, but it's something well worth considering. just make sure you have a partner that shares your motivations.