I'm now 32 and have 2 wonderful baby boys; 28 months and 7 months. We got married at 27, and wanted a year "to ourselves" before we started trying. Also I was finishing my doctorate. We decided to wait until I finished, had a full time job and had been at work for 3 months (because I was eligible for FMLA - unpaid - leave only after I had been with the company for 12 months- I didn't count on any job to give paid maternity leave...many places don't offer anything, but I wanted my job protected which FMLA does).

I'm glad we waited until I had a full time job, because shortly after getting my job we bought a house, and then shortly after that my husband lost his job, and then right after that we found out we were pregnant. I believe that if you wait for the stars to align there will never be a "perfect time" but you can't be naive either. if we had tried right as soon as we got married and I was still in school, we would have had a baby when my husband lost his job, and I might not have had one yet.