I agree with you... I waited until I almost turned 21 to have *** and that was while having relationships with 3 different chicks of one year, 6 months..and I was with my current gf for two year BEFORE we did it. I am not saying being 21 is mature enough to be a father but at that age, I was more mature, made somewhat decent money, and am almost done with school.
That being said, NO ONE really waits until they are pulling down 6 figures to have a kid but a good father doesn't need a big check...just be there for your kid!