Not having kids because of finances is a bad reason not to have kids.
I got married at 35, was pregnant on our first anniversary. We have a 1.25 yd old and I am pregnant again. I sometimes worry that we didn't get to do a lot of things that newly weds do. Did I mention we were living across the country before we got pregnant? But I know that if I would have delayed it any further Ave then would have been able to have children, I would regret that even more. Also, I had a long recovery after my first. Much much longer than what I have seen my younger friends. It does take longer for your body to recover, the older you are. So you need to decide for yourself what you really want. Everything is alright, as long as that is what you want.
I agree you'll never be ready but you'll very likely never regret it either. I would say go for it!
I know it's cliche, but I think it's true, "you'll never be ready." I was 35 and in a five year relationship when we started discussing children, he was definitely more supportive of the idea and I was more fearful. I didn't think we had enough travel, life experience, money, or job security. We decided to try anyway and keep moving towards our goals. Four months later it happened..... and in that moment I knew everything was exactly as it should be, and we had everything we needed and more. I'm now 36 and five weeks away from my due date. I'm so glad we made that choice, because as we grow older we really don't know how much time our bodies have. I say if it's something you know you want, don't wait, go for it!!! Good luck :)