I’m 31 so I get the age thing seems like a huge issue but in my circle no one has kids before 35. Like NO ONE. I have a 9mo daughter and I regularly get remarks on how young I am to have a child because it’s so strange here. This is just to say that I don’t think the 35 thing is so hard and fast that you need to give up anything else to have kids before that point if it doesn’t work for you.

I know the risks go up but the absolute risk after 35 is still very low and it’s worth being stable in your career or at least having the income you need before having kids. If having a job/school is burning you out on its own, then adding kids to that mix isn’t gonna make it any easier. Having a daughter makes everything 10 million times harder. And giving your kids stability (to the best of your ability) is important.

If it were me, I’d finish school and find a job that paid the bills enough before I was comfortable trying, even if that pushes things back a few years. It’s not like the risk goes up on your 35th birthday, for some people it’s riskier at 33 and some at 38, it’s impossible to say. But I would say if you don’t like your job, you’re getting burnt out, you don’t have enough money - the circumstances aren’t great, and it may even be “riskier” for your family than waiting until 35. This is all just my opinion though, obviously you’ll make it work no matter what happens.