You're still in that range, so it's not as much of a concern. Even so, your observation about couples and families in more recent times is correct.
There's never a good time to settle down to begin a family because we will never have perfect or ideal conditions. That means that the time to start a family is always now. For people who don't find themselves ready mentally to settle down-- very understandable given how the last 30 years have been-- they need to keep in mind their own physical and biological realities. Cost-benefit analysis is important, and in this case money is just one of many factors.
Even for those who end up with families "by accident," in the long run it's a net positive for them. They form their own support systems for "the more interesting times" ahead of them, and we can be 100% that the next decade or two will be among the most interesting we will be facing in our lives.
for sure, agree with your point