There seems to never be a good time to have kids, so you just roll with it the best you can. I had all of my kids early in life.....a little too early in some eyes. I do suggest not having kids in college.....like I did (at least the first one was). No surprises late in life on my end.....wife plumbing got taken out after the last one was born! So here I sit at 44 with my oldest graduated and out of college and the youngest going into high school and 2 others in between. My best friend and I in high school where "oops babies". My folks in high school when I was born and my buddy was born late to the point his brothers went to school with my folks!