Congrats Bill, good luck with Baby #3!!
From my humble experience, if you wait for that, you'll never be "ready." I was 29, and my wife was 32 when we got married 6 years ago. While we were on our honeymoon, the bartender said to us, "So, are you gonna have kids?" We told him we wanted to wait a year or two and then start a family. So then he asked,
"Well, you're married, right?"
Us: "Yep."
Him: "Do you have a house?"
Us: "Yep."
"Do you have jobs?"
Us: "Yep."
"Then why wait?"
So, our son Anthony was born 9 months and 2 days after our honeymoon.

We did wait 3 years to have Giada though, and I'm glad we did. Not for financial reasons, but just because everything else happened so quickly. My wife and I only dated a year, then got engaged. During our one-year engagement, we bought and fixed our house, and then got married. And then Anthony came along, so it was a really quick 3 years!