I second this, there&#x27;s no right time and having children will be a pretty big shock to the system no matter how much you prepare yourself mentally or financially. I must say though if you could take day care out of the equation. Kids really don&#x27;t cost that much in themselves unless you want to have the newest fanciest everything and designer clothes ha. If you want children don&#x27;t put it off for the perfect time, there won&#x27;t be one