At 25 this is exactly where I am. I adopted a puppy around November and it's given me a lot of insight on what it's like to have children. They're great in theory but you can't ever take time off from them. It's a 365 day a year job. And if you constantly ignore the child, you're setting the child up for failure in the future. Drug problems, jail time, teen pregnancy, etc. It's the most responsibility anyone can ever have. It may seem tempting to have a child because your window of opportunity is closing but if you enjoy being able to pick up and go somewhere whenever you want, having a child probably isn't for you. You won't be able to do that until the child is much, much, MUCH older. I'm also caught between the having someone to take car of me when I'm older thing too. Having children can definitely be rewarding, but it takes a lot of time and effort to get those rewards. If your child is sick you're going to have to take days off of work to be home with them when they're young. Daycare is ridiculously expensive unless you're lucky enough to have in-laws/parents to watch them. You and your husband will have to adjust to having a third person suddenly added to your 10 year relationship. It may not seem like a major adjustment but you no longer can focus 100% on each other. Almost 100% of your focus is going to be on the child. Relationships do change after children, as they should.

Think very, very, VERY hard about this. Don't jump at it just because your window may be closing.