When did you start trying to have kids?

Long story short my partner and I planned to start trying to have a baby this summer, however, we have recently been toying with the idea of trying this month. We keep going back and forth on it and while the difference in trying is only a couple of months, the difference in having a baby is this year vs next year. Next year seems like a long time away.

Did anyone have kids outside of their plans to do so and do they have any regrets? My head is telling me to wait a short time for a range of practical reasons (the main one being to save more money) but my heart is telling me that you can’t plan for everything in life and sometimes the best thing is to just take a leap!