I had my first (and last) at 39. Got married at 37 and pre-marriage we had agreed that we wouldn't have kids as we were happy, had a nice lifestyle with lots of exotic holidays, weekends away, outings to posh restaurants etc.
Almost immediately after getting married DH announced he wanted to have children - at least one. I was eventually persuaded.
After two miscarraiges DD arrived about a year after starting to try.
It has been completely and utterly life changing for both of us and definitely the hardest thing we have ever done. Our 'lifestyle' is gone and everything is completely focused on DD, her needs, her future etc.
Babies are boring, tiring and frustrating. Now she is almost two she is tiring and frustrating but not boring - she is amazing!
Knowing what we know now, would we do it again? - I am really not sure - we are definitely not having another one. TBH I am amazed the human race hasn't died out long ago as I can't imagine why anyone would do it twice - it is hard - hard, hard hard...
I have many moments when I think WTF have we done and how our 'old' life was a breeze compared to this, so much freedom and a lot more money - I very rarely buy anything for myself anymore and the cost of childcare is astonishing.
Nobody, and I mean NOBODY, tells you how hard it is - its like an evil conspiracy. It certainly is the last taboo - the myth of parenthood and how 'fulfilling' it is.
But, after saying all that, I love her beyond anything I could ever have possibly imagined - it is indescribable...
It is such a big decision for you to make and I mean HUGE - my advice is don't in anyway take it lightly - Good luck!