I would wait til my late 20's. in fact I was 30 when my first child was born, wife was 25. we were 26 & 21 when we got married. we didn't have a whole lot of anything, but we both had pretty good jobs. so the first few years, we bought & replaced used household stuff with new stuff. appliances, furniture, stereo, TV. had some decent cars. we also bought a boat for summer use, enjoyed an active social life, enjoyed living together with no one to answer to except each other, and thoroughhy enjoyed a very active sex life. our best friends were this couple that were married a year before us. we partied together, dined, movies, dancing, boating, shared our hopes and fears. they had sex 7-10 times a week, and we were doing 20 a week easy jus to give you an idea. we enjoyed fucking and having no interference. this went on somewhat after we had kids, have to make a few adjustments.