You still have so much time to think about having kids! I say that, but I didn't want to have any kids after 30, and I wanted to go back to school to get my bachelor's. I do have to say that already being done with school and having a stable home and job will help tremendously with little ones running around. It's a lot less stressful. Both my husband and I are full time students right now, and we've been living on cashed in retirements and financial aid. Money is definitely a stressful subject, and it makes it harder when we have two boys we have to provide for as well as ourselves. Luckily, we own our home and don't have a huge mortgage payment.