Life's a surprise,we've all been in your shoes,there's never a right time to know if your ready to start your family.After my first child with my husband,we were over the moon,our Daughter was born in 2009. We were in shock when a couple years after we found out we're going to have another baby,neither times were either of our finances stable but we managed and are still in the same situation but its become manageable as the years went by. Our son was born in 2011,which he was our surprise baby because we weren't trying for another baby,it just happened,we decided this time it'd be different,because of our finances and certain family issues we had to do do the hardest thing a parent could do and gave our daughter daughter up for adoption at 5 months old for her safety and to give her a better life. This time we decided to keep the second pregnancy a secret from my till this very day vindictive family members who tried to bring harm to our daughter,this time around I made sure only myself and my husband knew about my pregnancy and my grandmother and great grandmother before both passed away. Anyway there's never a right time to start your family,whatever your finances are you both may decide to wait to start your family once you have a bit more finances saved.but there's nothing more sweet than when you hear your babies heartbeat,you'll instantly at that moment forget about finances and try your best to prepare for bundle of joy.