You will never be able to afford children. But when you have them, you figure it out. You can't wait for the right time, it doesn't exist. If anything, the longer you leave it the harder it gets (age!) 

 I totally agree! I tell many this same thing. If you keep waiting to “afford it” it won’t happen. 

 Also, waiting for your career to take off is a waste of time. There is no such thing and it's just another cell in the prison camp.