> My parents were definitely not financially secure [...] If you want kids maybe not think about it so much and just yolo it.

Same here. As someone middle-aged and thus far childless, I've been thinking that "just do it" would've been the way, maybe starting as soon as a couple years after graduation.

An exception might be career planning for the woman who'd be carrying, in some career tracks.

Other than that, even the US has various ways that young parents are supported, and there are safety nets.

While one is waiting for the perfect timing, maybe partly because one's parents didn't, most other people are busy having babies in circumstances no more ideal than one's own.