What advice do you have for deciding you’re ready for kids?

Hi!!

I (25F) am marrying my FH (26M) in November and we’re in the discussions of when we want to have kids.

For context, we both work a full time job. I’m salary with a raise in April and potentially a merit raise next year. He works on a salary and commission with a possible promotion very soon.

The kids would go on my insurance due to the cost savings. We both have very supportive families.

I bought a house in July that we both live in, with a blind cat we recently (Sept ‘24) adopted, and our dog that I brought into the relationship. We realized in planning the wedding we have a lot of “disposable” income when we stick to our budget.

Our currently plans were 6ish months after the wedding. But I would love to hear any advice people may have on how to decide when to start trying? Things we may not consider aside from finances.

We are both very excited for kids but care a lot about making sure we’re ready.

Our biggest concern is that the home we’re in currently isn’t big enough for the number of kids we want and eventually want to buy a bigger house.

Secondary is childcare due to the cost where we live being ridiculously high and not having anyone local who could take it on before grade school.

Is there anything else we should be thinking about?