I had my first at 23, then there was almost a seven year gap before # 2, and just over a year before #3 (I conceived while breastfeeding.)
Pregnancy and parenting a very young child were much easier on me when I was closer to 20 than 30 and over. As a parent, I have better perspective as I am a little older, and greater patience. I am also able to be more stable financially and emotionally.
We are thinking about TTC #4. Having been hospitalized for hemorrhagic uterine bleeding a few months ago, and diagnosed with adenomyosis, while I would like to space another year, we will not be preventing as of this summer. There will be 2 1/2 years IF I become pregnant immediately.
Here's the kicker. The bleeding and adenomyosis diagnosis happened in November- I had been bleeding since August, and was hospitalized and in need of transfusions in November. I was given progesterone and after 5 days of progesterone, had bleeding for about a week. It is February, and I have not had any ovulation/bleeding since.
Whether or not we can have another child, or whether I can carry a pregnancy to term is, at this point, very uncertain.
There is no easy answer- my feeling is that while enough stability to have a place to live and food on the table matter- having huge amounts saved doesn't matter so much.