As others said, it's only something you can answer.
I have three and here's what I can contribute or offer perspective on. Having my first kid was the best single moment in my entire life when that baby was born. It invoked feelings and emotions that I never felt in my entire life.
It's also nice to know that you have built a legacy that can carry on the family name and part of you. Having a kid or boinking some young gal is the closest you can come to the fountain of youth.
You have to ask yourself, are you good at follow through, discipline, patience, tolerance, understanding in general? Whether it be with gals, family members, friends because you'll need multiple amounts of that with kids.
As for being able to afford them, I wouldn't think too much of that as long as you're willing to put forth the effort of actually being a father. I see so many other parents(especially in upscale suburbs) that really don't know how to be parents. They just throw money at nanny's and baseball/ballet teachers so they don't have to deal with them. Children would rather have time with their dad/mom the most.
As for financials, I do see a lot of people worrying about this aspect and it ultimately prevents them from having them. People always think they need to have x amount saved or be at a certain point in their career to have kids. While this maybe ideal, it is only one piece of the equation. My $.02