You're also only 20. Why so much pressure to decide right here and right now?

How's your career going? Education? Travel? Volunteerism?

I used to be the "never having kids" type, myself. Maybe the abstinence is an excuse, maybe it's not? Maybe it's more about finding yourself now so that when ready you'll have that much more confidence about your choices that you've made in life? And the time spent between now and that future time can be spent preparing yourselves financially. .