Things won’t and cannot be optimal. Certainly there are times in which things are more optimal than less. However, in spite of all of it, just do the thing you love.
For example, having kids. When is the optimal time to have kids? Never. And maybe as a rule of thumb, if you and your wife want to have kids, the best is to just start trying before you think you’re ready. Or, if you think you’re 80% ready enough to have a kid, just have a kid.