I'm (hopefully) going to experiencing both sides of the coin
My first child was born when I was 18 - conceived the night I lost my virginity whilst on BCP ... and antibiotics. I had a straight forward pregnancy, very quick labour and my daughter was happy and healthy. Life in general was very tough, little money, unfinished education, unable to go to work due to childcare costs, an unstable relationship which ended when DD was 18 months old. Going without food myself so I was able to feed and clothe my baby. I loved my daughter and being a mum but I often feel that the times where I should have been enjoying her early years are marred by the memories of worry and anxiety.
I'm now in my mid thirties and am happily married to my wonderful husband. We are in the process of having his vasectomy reversed to enable us to have a child of our own. This time around, although being an "older mother", I am happy and settled in a lovely home, hubby has a very well paid career, I have the space and financial security to know that I can devote every breathing moment to raising our baby without the stress and anxiety of money worries. We have everything crossed that we will have our longed for child.
I'd much rather be a mum in the situation I'm in, in my 30's/40's than the situation I've previously been in through my 20's. I wouldn't change my daughter for the world but I wish, everyday, that I could have offered her the nicer things in life when she was younger - just as our new baby will have (if we are lucky enough to have another!)