To be honest I don't think there is a right time to have a baby. It seems like when you plan to have a baby something comes up whether it be financially or socially (relationship problems). I planned to have a son because I have two girls but how can I determined when is the right time. Just when it happens do what needs to be done to make it and let nature take its course.
My two girls were not planned at all and I was at the age of 22 when I had my first one. Just finished college (thank God) and had to find a job right away. It was hard but she is ten now and I thank God for her everyday. I said I would plan to have a son but just asking myself the same question when is the right time...and time is ticking...biological clock.