Hi Sophia
Congratulations on your upcoming wedding!
I can only speak from personal experience and believe that there is no 'right' time, particularly financially.
For us, it was important we had lived life a bit first. We had both had our careers, been on lots of girls/boys nights out, girls/boys holidays. Been in other relationships an been single, prior to getting together.
We were 26 when we got together and had fun together. Whilst financially we were ok, we were far from perfect. But our little one was a surprise and came from love. Now this time around we are married, I work less hours, and we have more money to pay out such as nursery fees. So we are less financially better off than when we have dd, but do you know what, we will manage. What we will give out in love an stability to our little ones far outweighs material goods.
But equally I'm not sure how I would feel if we were in very difficult financial situation. All I know is that I do think there is no 'right' time. Good luck xx