Follow your heart. For some people, having children in their early 20s is just fine for them, for others they are not ready for such a step and end up resenting their spouse, their children, their lives. If you know its not for you, then you are right!

When I was young, I also thought the same ting. I thought my brother was too young when he got married at 24, with his wife being 23. But they are still going strong 7 years later, so who can tell? I was 28 when I finally got married. That was the perfect timing for me.