>if you are not ok with yourself and with your life, I don't think you want to have kids.

Sometimes what people lack in life is purpose, and giving your best loving gift to others is one heck of a purpose. That being said the OP is going to be in a similar boat in 13-20yrs time (depending on how independent and/or peer bonded their child becomes)-- so finding longer life purpose will become important again, but being given ~15yrs to find it out just might be enough to span the gap.