Author waited and also regrets. My point is that having kids early is much easier and cheaper, because it is at peak physical health. Baby requires too much at

Author waited and also regrets. My point is that having kids early is much easier and cheaper, because it is at peak physical health. Baby requires too much attention and prevents work in normal 9-5 job with fixed schedule and meetings. But it leaves enough "holes" in time table to work on something.