I agree with pretty much everything that has already been said.
To be decent parents, you need to be able to provide a roof over their heads, a loving home, food, education, clothing, love, security, a safe environment.
As long as you can provide the basics, the best time to have children is when you feel ready to have children.
It's not always easy, but, if you want them & love them, it is very rewarding.
Be aware of post-natal depression, though, so that if it kicks in, you are ready to kick it out again!