I've met several incredibly successful people with hundreds of millions in the bank whom I pity.
They're obviously wealthier than I am. They're well known and connected. They have the house, the toys...
But they don't want kids.
I get that the polite thing to say is that it's up to each and every one to decide what works for them.
But what I actually think: you poor bastard. What is the point of all this?
Dunno if I would call myself a indie hacker, but I started a bootstrapped business solo. I was definitely still broke when I got married. I was still kinda broke when I got my first kid. Sold the business a few months before my second kid was born.
Just have kids. There's never a perfect moment.