Taylor Tepper, a millennial covering investing and banking for Money, recently welcomed his first son - and all his son's expenses - into the world.
Conceiving a family in your 20s comes with certain advantages. For instance when Luke leaves the nest, my wife and I will be in our mid-40's and just entering our peak earning years. That means while he's off at college, we can power save to boost our retirement portfolio.
Plus, you're more likely to have flexibility at work in your 20s, since you probably have a more junior position with less responsibility. The higher up you get on the food chain, the tougher it is to leave early to go to a parent-teacher conference or soccer game (or so my older colleagues tell me).
There's also the fact that your ability to actually conceive children decreases as you age, per the Mayo Clinic, while the risks of complication--from C-sections to pregnancy loss--increase in your mid-to-late 30's.
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