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What is the "Right" Age to Have Kids? Some Thoughts

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It's true that the age of having kids is ultimately an individual preference and choice, and will vary depending on each individual's circumstances. But it's also true that we can make various general claims about general pros and cons of having kids either earlier or later. And it's also true that the trend has been recently shifting toward having kids later and later  as a general 'cultural norm', for various reasons (and it is something I do not agree with). I am in favor of having kids relatively early. My parents had 4 kids starting somewhere around age 21 (or so); by the time they were 30 already had 4 kids & were already busy paying off a house. This used to be normal. Nowadays, everyone seems to be: "Oh, but you shouldn't even start having kids until at least 25 but actually only in your 30s or 40s once you are already 'stable'", or whatever. I'm more in favor 'have kids younger'. If you have kids at around 20, they