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I would factor age over finances if you finances aren't a total mess. You aren't that old either (I'm 32 and pregnant with my first) but if you want more than one, it does come into play. I said compromise-- do what you can to get your finances lined up as soon as possible, but I wouldn't hold off if you really want kids now and can make do with your finances as is.

At least, that's how my opinion but it's a personal choice everyone has to make. I'm sure no one ever feels like they are 100% financially ready.

Just for me, I want finances to be in order. I stress about stuff like that, which isn't good for a pregnancy.

I would take a serious look at what costs will increase and what additional costs are involved and see where you can cut expenses to make it work. I voted age trumps, but finances are important too! Hope everything works out for you!

In our case, we went with age over finances (we still have some debts we are working on, but we are able to pay those down while still living fairly comfortably). I am glad we didn't wait, because although we had no reason to suspect it would take a while to conceive, it did take us 13 months to get pregnant. We will still be working on paying things down when we start TTCing baby #2 likely, and I have no regrets!

For me, it would depend on what your financial situation is. Are you broke? Barely making ends meet? Or would it just be easier in two years with more money? Totally depends on what financial freedom means and what it would entail. Two years wouldn't be a big deal to me if the financial gain were that drastically different or if the current situation was just too precarious

In my opinion, as long as you can pay your bills on time, put food on the table and buy baby necessities (you really don't need all those baby items people say you need), then go for it! Something will ALWAYS come up financially. Always always always. It is a never ending thing, so you may be waiting forever. Good luck

I would totally start now. Like Princessbaby I figured I'd get pregnant on my first try. Nope! Now I've had way too much time to build savings and build a freaking baby wardrobe.

Unless your finances are a total mess, I would start TTC immediately. I'm in good health and it took 9mo to conceive our DD naturally, at age 30. We are now experiencing unexplained secondary IF - we've been trying to conceive DC2 for over a year (started at age 32, we will both turn 34 this summer). Even if you pass a fertility checkup, that is no guarantee you will be able to get pregnant. Good luck!

I voted compromise. I think it depends on how many kids you'd like to have and what kind debt and how much your debt to income ratio is. If it's "good" debt like student loans, then I would start now. If you've got a whole bunch of cc debt that you racked up somehow, but have addressed the reasons you weren't paying your balance each months, then I'd wait a little bit to make sure you've got your spending under control and then ttc, but not two years.

We've never had cc debt but we had my student loans when we were married. We were concerned about the loans, but ultimately didn't let them keep us from ttc. Thank goodness we didn't since I miscarried 4 times (no clue anything was wrong, never any explanation why despite numerous tests.) we were just as frugal as ever after lo arrived and I was able to pay off my loans within three years of getting married, the majority of which I paid in the first 6m of lo's life.

We are in a better financial position today than we were two years ago, but it doesn't have anything to do with lo and wouldn't be much different w/out him.. We'd have $1500 more a month if lo wasn't here and we didn't have to pay for daycare, but in the grand scheme that really doesn't compare to how much joy he brings! I've found that he costs waaaaaay less than I expected. But then again, I returned 90% of the gear I bought when I realized that every penny I spend on something that isn't totally loved and used to death is another penny I don't have for the addition we want on our house, his college education or food on the table when we retire. A point DH hammered into my head like mad

you never know, and there is no perfect time!