> My parents pushed me to get educated. Now I’m in my early 30s and honestly I’m not in a rush to have kids. Do I want kids? Definitely. But right now I’m trying to build family wealth so I can give my kids a great childhood. I’m on track to meet my goals in the next 5 years or so.

There's a chance you won't make it, though. And at some point, it does become too late.