You have to do it sometime. Would you rather have kids in your 20s or your 40s?

The points me and my wife agreed on:

1) It takes a lot of time and energy to raise children, and there's more of both when young

2) Fertility drops sharply in 30s, and we could miss the window altogether. Also the odds of complications goes up

3) You can work as hard as you like after the kids grow up

4) Paying for college will be tougher, but my parents were able to do it

At 40, nearly everyone at my level of seniority has at least one child and they don't fault us for having them. We've all lost sleep over the baby, and we all understand that having a child younger than 2 is highly unproductive, but it gets better and most of the time they do a fine enough job that everyone forgets they have kids.

Definitely rather in my 20s. Good points to consider.