Agree. My advice, have kids in your early/mid twenties. I had my four between 36 and 44. I pray that I get to hold one of my Grand-kids Hard to keep up with my 14 yearold son at 52. If possible, make sure your wife to be makes far more money than you. Then you get to stay home with your kids, and help them grow up. Instead of becoming an ATM machine.
Early 20s? Maybe in Victorian America.
Or Utah. Or accidentally.