Only 2 options - 20 and 40? That's quite a leap. You don't have to wait to have everything together to start having a family if you are on your way educationally/career wise and can juggle/sacrifice. But the days of starting a family practically right out of high school are past unless one of you luckily landed a pretty good job.
Would you rather have kids when you're 20 or when you're 40?
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Only 2 options - 20 and 40? That's quite a leap. You don't have to wait to have everything together to start having a family if you are on your way educationally/career wise and can juggle/sacrifice. But the days of starting a family practically right out of high school are past unless one of you luckily landed a pretty good job.