Go For It
I'm 30 and just had my first. My husband and I have struggled financially since we got together so we'd been waiting until we were better off financially but we both wanted kids and realised if we kept waiting we were never going to find the right time. So we just decided to go for it and stop waiting for the right time. Now we have our son and he has made our family complete.
Life is too short to wait. If you want a baby and your partner wants a baby and you're both ready to be parents then go for it.