If you and your partner want kids and are waiting for some arbitrary financial goal my advice would be don't wait, do it now. We had our first when I was 25 an

If you and your partner want kids and are waiting for some arbitrary financial goal my advice would be don't wait, do it now. We had our first when I was 25 and then seeing all our peers wait until 35+ health wise you're going to cope better when you're younger. Plus you get that much longer when them in your life, and more time being able to play competitive sports with them. But kids are expensive you say? Well they can be, but only if you spend money on them, and most of that spending is school years anyway so you still have time to figure out out.