I'm 41 now with a 3 year old son. There are pros and cons to both sides.
I'm more mature now and hopefully a bit wiser than I was in my early 20s. More financially stable, so I'm able to do things like cutting work back to part time so I can spend time raising my son (don't need to work overtime to pay interest to jews on a home loan).
It can be physically tiring and I definitely don't have the energy I use to have. I'm hoping that my son will decide to have a family earlier, so I will be able to enjoy being a grandparent.
Given the chance, i'd say have kids early. They're great fun and give meaning to your life.
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