I joined BnB when in 2010 when I was twenty. At the time, I was baby crazy, thinking about starting a family and being pregnant all the time! I was still at uni, and we were living in a one bedroom flat. But I thought, yeah it'd be fine, we'd cope etc.... But my sensible OH was so good, he put up with me blubbering my eyes out cos I wanted a baby. He made me wait, he knew this wasn't the order I wanted to do it in, it was just my hormones taking over. And at times it did cause a bit of a strain on my relationship. I'd always said that I wanted to own a house, and have a good job etc.
As I said, at the time I was at uni. My job was as a cleaner part time in the evenings, and the OH was paying off loans etc.
4 years down the line, I'm still waiting. We now live in a lovely two bed house, I've left uni and am now a contract manager earning a really good wage. Next month we will have paid off the OH's final loan. And we'll have a deposit to buy our own house by May next year. In the last four years we've been on around 8 amazing holidays (just this year we've been to Mexico and lanzarote, which we're going back to in September), and we've got another two in the pipeline for next year.
I'm so glad we waited. Our relationship is the strongest it's ever been, and life is good. By the time we start our family I'll be 25/26, OH will be 36 and we'll have been together around 9ish years. We'll be giving our LO the best possible start that we could. And that's all I ever wanted.
Sit down and really think about it, enjoy your time with your OH, and work on building a fantastic relationship. As strong and together as you can be.
But as other posters have said, it's completely up to you and depends on you and your situation.
Hope my little bit of waffle helped!