Subject says it all. Am very aware that lots of these threads are from much younger mums-in-waiting. However, I only moved in with my partner last year, following a change of job and area, and we still don't actually have a place of our own (just rented for now - though I do own a house in my previous location that is rented out). He would love a family - though not above this relationship - I worry I am too old, have a chronic fear of medical stuff, a few minor health issues and we are not financially stable as he has massive debts. I also enjoy my leadership role in school, and would like to aim for Headship at some point in the next 3-5 years. I can't decide if I am being sensible saying no to children, or very unfair to him. Whilst I would like a child, I can't help but feel irresponsible by hoping to have one now... by which time I'd probably be more like 41. I know there is no certainty in concieving anyway - and at times I have wanted to throw caution to the wind and just let be what will be, but what about the child? Is it fair on them to have elderly parents? (Mine were, and I had little relationship with them at all ... I wouldn't want that for my child. We were also extremely short of money as a family. Are these things unduly influencing my thoughts - are they behind my cautiousness?). Advice? Thoughts?