Am I meant to have kids?

I have come to the conclusion that I don't think we are going to have kids.....at least not for a long while. This honestly breaks my heart because I'm pretty sure my biological clock has started ticking. For the longest time (9 years) we have both said we didn't want any children but we are both only children which brings about many reasons to have a child, besides the obvious fact that we want one. But the truth of the matter is that I honestly feel like we can't afford a child. We can't afford an extra $400-600 a month for childcare and we can't afford for one of us to quit our job to be a stay at home parent. At this moment there is honestly no worse feeling than hearing my mother say "I don't know what to tell you. I guess you just need to have dogs". I love my dogs without a doubt in the world, but I do think it would be neat to have a little mixture of Jimmy and I running around. I'm sure both of our parents would be thrilled to have a grandchild and I would like to be the first to provide my granny with her first great-grandchild since I was the first of her grandchildren to get married. But it looks for now that we will wait a while longer until we get some bills paid. I honestly have no idea how any of my friends with children do it - financially. Are you all in credit card debt? Are your house payments $200 a month? WHAT IN THE WORLD AM I MISSING???!!! Why am I stressing over this stuff?? Is God trying to tell me to have a child now?? Is He trying to tell me to wait because He has bigger things in store? Is He trying to prepare me for when/if we do have a child?? I have no idea and I guess I honestly won't know until something different happens in my life. *sigh*......**BIG SIGH**.