First my own personal story which makes a two-fold argument:
I was married to my lovely wife with still 3 years left of undergraduate work to finish. My wife can be described as someone who wanted to finish her higher education before even thinking about children. On two occasions in the 3.5 years after being married, we both received strong, unsolicited impressions from God that we should have a child. Though the school I attend is quite expensive, I have received quite a bit of tuition help in the form of scholarships, grants and federal loans. The catch is that I live in NYC and that is where the real debt comes in. Just to live is expensive. Especially when a one – bedroom ceases to be an option. In short – I see a very distinct difference between luxury goods and debt. So that’s the gist of my experience of not waiting. Let me be clear. I have no doubt we were prompted from God through personal revelation to have our two amazing daughters. Not a day goes by that I do not thank God they are in our life. The reason for the urgency from the Lord is still partially unknown to me. I expect those answers to come at a later date. The point: this is not for everyone. Its these kinds of situations and questions that personal revelation is meant for.
So why the “one size fits all” counsel we received in conference? I am sincerely asking this question. Someone have an argument to make? I would love to hear it.