I know what you feel, man! I'm on your tracks right now (although, for a bit different reasons) and already getting scared.

I think kids are possibly the best investment you can make. But I'm always like "no, I'm not quite ready, not enough funds, no decent apartment, no time to have a girlfriend, etc.". Damn... you dug up my own fears once again. If you or your wife are having health problems, consider possible alternative methods. I've heard people had infertility problems solved by switching to healthy food and using tesla-like healing coil technology (really cheap).