I am 36 and my wife and I have pretty much settled on not having kids. We have discussed the idea a lot more recently since I just cannot see myself having a kid at 40 years old. I am nearing the last year or two when I would be comfortable raising a child. We are heavily leaning towards "no" for a few reasons. We really do enjoy our free time and comfortable financial situation. Both would be heavily impacted by a child. We also both have struggled with mental health issues through out our lives and have found a very comfortable, familiar lifestyle that helps to keep our depression at bay most of the time. We are both worried that our mental health would take a substantial dip while raising a child.
With that said, I constantly get this feeling that mid-30's me is making a decision that mid-60's me is going to heavily regret. I really love my family and can see how happy my parents are to have their children around in their lives at their age. I want that when I get older. I really do. I feel like I am going to be very starved for connections outside of my wife when I am in my 50s or older.