Congrats!
If people all waited for finances to make sense to have kids - we'd have never made it as a species.
My son turned 21 last week. I was 22 when I had him. My dad was 23 when he had me.
Going early means a lot of sacrifices. I never had wild 20's or even 30's. BUT - I get to do adult things with my adult children. If we wanted to go elk hunting next year - he's not trying to figure out how to drag me up a mountain in a wheel chair because I'm pushing 60 (calm your tits - it's hyperbole but on average, people are in better physical condition in 40's vs 60's)
