I eventually came to the realization that you CAN’T wait to start a family until everything "fits," because that will simply never be the case. Especially if you have a job where you are not easily replaceable, there is practically never an opportunity to take a break (because of a child) where the employer says, great, exactly now. The environment (a suitable partner) has to be right instead, and then it is what it is, and the rest has to adjust. But you first have to come to that realization. For me, that happened around the age of 30; others may take longer. I also know someone with three children, all healthy, at 41, 43, and 45. It wouldn’t be my choice, but before that, the partner just didn't fit. Everyone simply has to find their own way.