I was 21, freshly married, and fucking my wife like the world might end tomorrow. It all just seemed like a good idea at the time, and we knew we wanted kids in the long run.
Sure, it happened way before we were financially ready, but at 36 with a 12 and 14 year old, I wouldn't change it. Having kids is, at a basic level, what it's "all about" in my mind. I have no issues with anyone who chooses not to for whatever reason, but it always made perfect sense to me.
My 14 year old is an avid artist. She's making new things, bringing new art and expression into the world, and that just gets me all misty-eyed about life and the vanishingly small effect any of us get to have in the big picture. I'm a sentimental motherfucker though.