I didn't meet Mr Right until early 30's but even then I wanted to be married and settled before starting a family, so I waited until that had happened before TTC. (was a bit nerve wracking waiting as the 30's years clocked up but I felt it was important to me to have those things in place). When we were eventually married and stable, I thought it would take ages to conceive but actually conceived first month trying. I had predicted that at my age (mid-late 30s then) it would take at least 6-12 months, at least, if not 2 years, so had settled in for the long haul not expecting a BFP for a long time and planned around that as such (holidays, jobs etc). there's no way of knowing unfortunately!
Now I have the DCs I am grateful that we did have the finances in place and were married, as I think being married did give an extra layer of strength to our relationship, and when you have kids, they are amazing but they do test pretty much all your relationship weak spots, so the stronger you can be together, the better.
DCs have brought me and DH even closer together but DCs need so much from you, in terms of emotionally, financially, time and effort. Once you are pregnant it's the start of a life-long marathon. There are no holidays from the job of being a parent, the show must go on, and of course, you need to keep your relationship on track at the same time. It's harder to be sweet/understanding/sexy when you have got up every night ,twice a night, for the last 10 months +, to see to the baby. Nerves frazzle with lack of sleep. Even if you get a good sleepingbaby initially, the sleeping habits can change with teething etc.
Before I had the first baby I thought it was all tender moments, watching DH rock baby to sleep whilst I rested and watched on with love and affection as a small smile played on my lips. In reality both of you, at some point, will be standing in the nursery at 3am, all lights on, dishevelled, hair wild, morning breath 
shouting (to make yourselves heard) over the screaming baby (DH: "WHAT DOES SHE WANT?" Me: "SHOULD WE TRY MORE MILK?" DH: "WHAT ABOUT SOME CALPOL?" Me "I DON'T KNOW. DOES SHE HAVE A TEMPERATURE? WHERE'S THE THERMOMETER?" DH "YOU HAD IT LAST" Me: "I DID NOT!! YOU HAD IT WHEN YOU TOOK HER TO YOUR MUMS! IN THE CHANGE BAG! IT'S IN THE CAR BOOT!" etc. 
Romantic it ain't!
In short, for me, waiting was the right thing to do, but then, I didn't struggle to conceive (which I am very grateful for) so it could have been different if I had struggled. However at least I would have had the small comfort that at the time I had made the decision I thought was best, which was that DH and I would be stronger, happier parents if we were a few years further into our relationship, were married, and stable financially. everyone has their own story but that's mine FWIW.