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I don't think there's ever really any ideal time. I'm 28, and I still can't imagine getting married and having kids. Then, there are women who are my age and have 4 kids (eeeeek). In addition to the financial concerns, I think you should have spent some time where you and your wife/husband/partner got to enjoy each other, go on vacations, and enjoy being together as a couple, but I don't think there is ever a specific "time".
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