It depends. Timing is every thing.
I got married at 40 and had just finally cracked a good job. At 41 I got promoted to captain and now finally in a position to really enjoy our lives and also put away some money for retirement.
Children aren't really a viable option for us for many reasons. Apart from any thing else, our families are on the other side of the planet and with no support, it would be nigh impossible.
Had I been 10 years younger and in the same position, children might have been an option.
Most of my colleagues with very young children work in the office. I don't know how my colleagues with older children handle it. Child care isn't cheap.