Thank you for sharing our families story. The death toll related to lockdown will impact many families for years to come, it is heartbreaking.
Best bit of advice I was ever given is that you will never truly be ready to have a baby. There will always be goals to reach and you will never have enough money. BUT.... if you know you want kids don't wait for the 'right time' as there isn't one. You will adapt your life to suit and you will still reach thoss goals, albeit a little slower, and you will afford it. The choice is yours but instead of worrying about falling behind in iso, how about get 'busy' and get ahead. Goodluck!