Well... DH is 30 and I am 26, we are financially stable and we both wanted kids and was told by my cardiologist we should try to have kids sooner rather than later for my health. So I stopped getting the Depo Provera shots, and at the start of the year we decided we would wait until I was made permanent in my job (about middle of the year), then we'd start trying.
Next thing I knew I was getting all the pregnancy signs so my appt. with the doctor was for a pregnancy blood test rather than a pill prescription
So I'm due in October and we're very excited. Our decision was helped by health reasons and by the fact that there was really nothing stopping us. We're at a relatively stable point our lives (apart from not living in our home country...), so nowish was a good time.
When we were discussing it though gee it was a hard decision! It's a scary thought planning your first child - you know your life will never be the same ever again and it's such a huge decision.
I still occasionally think "omg are we REALLY ready for this??", but know we're in a good position being happily married, financially secure and with good jobs, so we're giving our baby a good start, and plenty of people who don't have all that are awesome parents, so there's no reason why we won't be.
I don't think age comes into it - lookingglass said her parents were older which was awesome because they lived life. My mum had had my brother and I by age 23, and I love the fact that she's younger, and feel we have an awesome relationship. My DH's parents were older and absolute fuddy-duddies who don't know how to have fun and he blames it on them being older.
I think it just depends on the people, and has nothing to do with age. And even though DH's parents don't know how to have fun, and often drive everyone crazy, they're loving parents, and raised great kids (well, 2 out of the 3 are great... my BIL is a little weird...
You'll notice that not one person here who had kids under not quite perfect circumstances all say "I don't regret it and wouldn't have it any other way".