If you want kids the younger you are when you have them the better for everything but your finances. But your finances will improve. Plus you will be around to help with the grandchildren.
supposedly,
the golden time to reproduce is in your early 20's, biologically speaking.
you have the youth and energy to raise kids,
people high up in maslows hierachy of needs tend to delay marriage, but biology doesnt give a shit about that.
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