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Take it from someone who married late and started babies at 37. I am tired and my body has gone to pot. Thank God I found a good husband who understands and not one who wants the young shallow chickies.

I think you're being at least somewhat shortsighted. Starting early can mean other aspects of life are unfulfilled. It is the mid-life reckoning that some early dreams aren't going to be realized that often leads to the crises and divorce. Your glass sounds more full than empty.

Maybe I did not convey what I meant by "early".
I don't mean 18 but 25 or 30 to start a family is not late. Too many of my friends are now in their early 40's and longing to have a good husband and children. A lot of living can be done in 10 years after high school. However, those who think it can all happen after 40 are deluding themselves. Most men in their 40's have dumped the 40 year old wife, have teenage kids and want a young woman as a trophy. They don't want another 40 year old AND a baby.