Like Debbie Lee said: life has a way of mucking up our best laid plans. I think it pays to be flexible, intuitive and sensible when it comes to major decisions like this. I had our 1st unplanned DD at 24, our DS at 34 and will be 36 when I have our third this year. I was just thinking today how old I'm physically feeling during this pregnancy and kinda wishing I'd had all my children pre-30. Oh well, I'm also so thankful I had my DD relatively young: she's the best little helper any mum could want! I think if i hadn't have had all the children I felt I could deal with (afford) by this stage I'd say my cut-off would be 40. And that would be due to the potential for health issues in the child.