This matter is a very clear choice:

1) Have children early at risk of living life without wealth but at minimum risk of health for all parties.

2) Delay. This risks never having children for various biological reasons for the impractically increased chance of increased wealth.

As somebody who had children early, went through poverty, and now lives in a large house with a nice job I can't help but look at single people in their 30s or older. I always want to ask them why they cannot afford a Lamborghini or live in a giant mansion. They had no such restrictions on their time and/or finances to dedicate increased efforts in advancing their careers or founding new businesses.