Is 36/37 too old to have kids?

I know kids themselves don’t ruin your life but…. like I feel they trap you and you can’t do anything with them; they also waste all your money. I know you still can do enjoyable things but it’s so much more difficult. I want to travel, spend money on MYSELF, buy a house, have a good time with my bf, and have a stable and good paying job before I even THINK about having a child. I’m 22 now but just thinking about the future 😂