One thing to consider about waiting till later to start a family: the knowledge and companionship of older generations may be missed. I never knew my grandmothers; they were both dead by the time I was born. I heard a lot about them from people who loved and admired them. Sometimes I go to the cemetery and chat with my dad's mother. He loved her so much. And now my dad is gone also. My sons did get to know my dad, but the grandchildren never will.