I was given the advice of: There is never a good time to have kids.

I'm over 50, I have kids (and now grandkids) - everyone of them was unplanned and at the time I could not afford them. But each time we struggled and either we made ends meet and it spurred me on to get more money (change jobs/ go contracting/ start my own business)

has it been stressful - yes, have I suffered lack of sleep - yes

would I do it again - absolutely yes, being a father has been one of the best things in life