I had my kids at 26 and 29 and we were the first in our friend group to have kids, so that kind of sucked when we would either have to take a baby to a party or pay a baby sitter, but now all our friends are having babies and we feel like the "pro" parents. If I could do it over I might have waited a year or two longer to have kids. There is no "perfect" time to have kids, but every person will be ready (financially, maturity) at a different time.
Having kids is the ultimate "grow up" moment, when another life depends on you, crap gets real.