You’re gonna be out of touch with your kids’ generation basically no matter what.
I would not want 23 year old me raising a child, I was way too status and money obsessed then and could not provide my son with the model of what I personally deem a good man.
My wife had (too) young parents and it left lasting damage, they dragged her into interpersonal spats and their worries about money before she had the tools to properly process it.
I believe generally most people do grow and mature over time. Sometimes it's not that obvious externally or even internally without reflection, but it's a natural part of aging IMHO.
My Wifes parents on the other hand might not have grown up but on the other hand they would have divorced way sooner without a child forcing them to stay together
My Wife comes from a country where getting married and having kids before the age of 20 was very much the norm at the time, which led to a lot of people having children at a time where they were not ready for that responsibility.