My parents fought about money all the time, but if they had delayed then they would have been better off. If they were better off then maybe my mom wouldn't have killed herself...
My earliest kid I had at 21; my latest, at 45. Sure, I have more money and emotional stability now. But I was also a lot more active back then, with the ability to deal with sleep deprivation when the kids were infants, and to handle playing tag after work for an hour.
Plus... whatever emotional strength and resilience I have comes in large part from being a practicing father for 20+ years. If I had been childless this whole time, I'd have far less emotional growth.
I'd recommend couples at least consider having kids as soon as they can (a) drag themselves out of poverty and (b) have enough time together that they have some confidence their relationship won't fall apart. Maybe (c) have some 3rd party backup.