The “ right” time to have kids

As a 25 year old and with a fiancé I feel the urge to want to start a family and have a child sooner than later. I also want to travel, save money, and enjoy our time as a youngish newly wed.

Some people say that having kids is the best time of their life while others say to relax and enjoy your time as a newly wed couple and travel and do things while you “ can “

How do you know when the time is right ?