My three were all born before I was 25, married ad 19. Still with the same great guy who thought I was crazy wanting the last one, the last year of my pre recs' who was born the week before I started nursing courses
We had all three before we were financially secure, like now... but managed jut fine. I didn't think I could handle a pregnancy later in life with working, then shipping a newborn off to daycare. My situation is different we planned on and did move out of state one year after my graduating. During nursing school, we had grandparents to watch my son.
At 34, hmmm, well the girls would be older and able to help. But I can't say for certain that I have the same energy to care for a newborn let alone a toddler. Plus I would want to cut my hours to have more time at home and it's not an option now with finances planned for two full time people.
Anyway, you can financially talk yourself out of kids in a heartbeat, we raised 3 on less than half of our net now, did JUST FINE. So I'm trying to say, long winded, that no matter WHAT your circumstances, if you feel the time is right for you both... than it's just plain right.
There are big perks to having your kids young; energy, early retirement did I mention energy?. But knowing then what I know now, and having the financial stability NOW are important too.
So you and the hub will "just know" if the time is right, talk about it and trust in your relationship and current position to support either decision. Are you ready to start over ?