I mean I don't know why people keep saying it's too late to have kids if you're 43. You could have a 20 year old by age 65, which is the time you could retire and have them move out after they get a job.
I would however be careful equating having kids to being successful in life. At best, they can be a joy to have. At worst, they can be little sources of chaos and stress that you can pass your own worst traits to.