I had my first kid when I was 22! We were not prepared for him (it was unplanned) but it has turned out great :-) Like others mentioned it is definitely sub-op

I had my first kid when I was 22! We were not prepared for him (it was unplanned) but it has turned out great :-) Like others mentioned it is definitely sub-optimal if your goal is asset-accumulation, but that's not what life is about in my opinion.