It's all swings and roundabouts @Eastie77Returns and I'm not sure there is an ideal time to have children. I know a woman near me who had her one daughter at 17 (the dad buggared off while she was pregnant, and she lived with her mum and the baby til she got a council house 2-3 years later.) She got a job in a supermarket 16-20 hours a week, and had lots of help from her parents - with her DD, and if she was struggling financially. (She has one sister 10 years younger, so only 7 years older than her daughter.)
When she was 37, her daughter was 20, and left home to live with her boyfriend (married at 22, then had 1 child at 25, three years ago) and the lady I know is 45, so still young-ish and healthy, and has been free of child-rearing responsibilities since she was in her late 30s! But none of them have ever been loaded, they never went to Uni, they never will be high earners, and they all rent a property (council.) They don't travel much, just the odd holiday to Spain every 3 years or so... They all seem happy though. They have very few friends as their social circle is very small. Most people I know who had kids young didn;t go to Uni, and are not high earners.
Many people I know who went to Uni, (and have no kids,) have multiple groups of friends, they have travelled to 20+ countries, (holidays, and backpacking,) and have weekends away at the drop of a hat as they have no kids to think about. Most of them are quite high or very high earners, highly educated, and can command £100K a year. Most of them own their property. Many of them have busy and active social lives. They all seem happy too.
Will any of them ever have any regrets? Who knows.
I know some people who had children before 23-24 y.o. who regretted having them younger, and some people who didn't have children til their mid-late 30s, (usually the Uni-educated professionals) have a nice life and a decent income, but regret leaving it quite late, and know they will very likely still have their kids with them when they're 60. (Whilst the ones who had them younger will have been free of children for some 15 years.)
As has been said though, if you DO have kids, no matter what age you have them, they take a 20 year chunk out of your life. And a LOT of fecking money! 😬