This will probably not help in the slightest until you do start a family, then you will get it.... but...
You will never find the right time as so many things come in to play, but when you do get pregnant and the little one comes along, all of a sudden, things just click into play. Somehow, money seems to stretch, you can live off little sleep and you develop a new sense of patience!
Honestly, me and my hubby didn't plan our first, so we didn't have to decide, but it all felt right when my son came along. Now, we just thought, lets go for it again...... so we are!
Having a baby was the making of me and my hubby - It's different for everyone, but this is my experience!