What are your priorities as a couple for the time you are going to be "just two"? What do you want to accomplish before you start having kids (or if you're going child-free, what other things are you planning to have in your life instead of kids?) I guess some examples would be "we want to travel the world" or "he wants to have his own law firm" or whatever.
I think for us our priorities are:
1)Get out of debt. DH has a good amount of credit card debt that we need to get paid off before we can make any other big financial decisions.
2)Find good jobs. We both have jobs that pay the bills but neither of us is doing something we are passionate about. DH is working on getting his EMT certification so he can become a firefighter, so he's closer to that goal than I am. I still don't know what I want to do with my life! I think we both want to have careers in fields we enjoy before we get too much older.
3)Get a dog! That means financially, being able to afford a dog + having something put aside for unexpected vet costs and pet expenses. It also means being able to either afford a rental that allows pets (aka more expensive) or having...
4)A house of our own. I do not want to have kids while living in apartments/rentals.
Only after we've got all those priorities taken care of do I want to have kids. At this point, that means we'll be about, oh... 50? ;D