Well a couple issues here....
Better to have a child than to never have a child.
However, while young, don't delay having children too late or getting married to have children too late. In marriage you have to be selfless and understand that your farts don't necessarily smell good to everyone, so to speak.
There is a rule, I heard, in Judaism that if one cannot afford to have challah each shabbat or somethign like that, can wait to have children.