Reply #31: not a parent, but have you considered adoption?

[liontamer]

If you're not ready now, it doesn't seem like a good idea to rush things, but if you're ready in five years, who's to say you have to adopt an infant? There are older children who need loving homes, and that eliminates the "how old will you be when they're in college?" issue.

For the record my parents had me when they were in their 40s and the whole "hurry up and graduate so that we can retire" dilemma sucks for both the parents and the child.