> You don't need to have life all figured out before you have kids.
Sure, you just need to do away with international trips, going out, losing your group of friends, losing your chances for higher education and career progression and all of the associated prestige.
It is hard to explain to 20 year olds that bragging about their trip to Europe means nothing when you are 45.
The only thing you lose there are the trips. If anything your social life can blossom.
My wife was a city treasurer and had a masters. I was a .gov and later a tech executive.