Do you think, perhaps, that if you'd had your DC when you were younger you might have then regretted not becoming financially stable first? You might have regretted not being able to give your DC financial security, or being as stable in your home as you might have wanted.
I think it's a case of the grass always being greener on the other side, and hindsight really is a wonderful thing.
As PP have said, you're honestly not old at 32, and I think you've been really smart about it.
I always wanted DC but was never with the right person. I fell pregnant accidentally at age 34, and gave birth to twins. I split with bio dad and he has never been seen again, nor contributed a penny. I got together with a lovely man - who I'd known as a friend for many years - and we planned to have a third child together. As it turned out, both my DC were autistic and my DS in particular has very high needs.
Due to the high SEN needs of DS, it just wasn't ever possible to have another child. He's still like a 6 yr old, and he's 14 years old next month. I desperately wanted to have a child with someone, rather then going through it on my own, and it took a while to accept that it just wasn't viable. I'm now 47 and I'm OK with things - I have two beautiful DC and a lovely DP and that's what matters.
My point is, we all could have regrets with how things have turned out. So very rarely do things pan out as we thought they would. By lingering on regrets and wishing you could change the past, you're only leaving yourself open to feeling sad. Truly, that way madness lies!!
I've found it helpful to try and reframe life in terms of what you gained by making the choices that you did, rather than what you lost out on. So by waiting until age 32, you've been able to give your DC a stable home life where you're financially secure, and you have the option to try for further DC without worrying about whether you can afford to do so. It sounds to me that things have turned out wonderfully and I reckon in 10 years time you might look back and feel the same - but in the meantime, do get those iron levels checked!