Kids. Have them when you can still play, relate, and be active. Age doesn't matter. Your lifestyle does. I had my son in my early 20's. Unplanned and I had to switch up everything in my priorities. This is what most folks don't get right or right away. Planning helps but it is still a battle if you think children aren't your number one priority and "planning" means your gonna keep doing the norm and just be better prepared. Kiddos made, married, or adopted are a blessing. Any other perspective and your not in the right headspace and are not giving them justice. Watching folks delay kids for a better time only to make them second to lifestyle, career, or anything else is plain selfish. Having unexpected like I did is no different if you raise them as your new burden.
Adoption. More good people should do it. We have discussed it or fostering. The above solidified the fact we could not give a child what they deserve at this time in our life.
Work, dreams, choices and regrets. Jump. Jump early. Jump without responsibilities....see above. Now the topic of being comfortable, established, kids raised and opportunity. Examine the why and not the what. No "regerts" , lol. Get the tattoo. Seriously though. Living dead inside is not living. Living on "comfort" like Ron posted isn't exactly a sin. Living in a position that either waste your talents or sees them expire to old age is as much a sin as stealing. Heck it is stealing. Stealing from yourself. I'm not advocating selling everything for a camper or investing in that dream company or any other specific. More saying regret of not trying is greater in penalty to being comfortable. Your what ifs can be answered by asking: What for? If the what for isn't selfish pleasure or at the expense of your loved ones check mark one tally for a green light. If the what for initiates learning, ambition, self worth, and most important a life balance in terms of fullness of self check another tally to the green. Jump. To many folks live in years and not seasons. Seasons change. People mature. Jumping is the only way to gain elevation and that moment of bliss free from the gravity of life. Just remember gravity doesn't turn off so when you fall Jump again. Personally I've Jumped. Crashed. Bounced and Jumped again. Each time at different seasons and levels of responsibility to children and family. The greatest reward each time has been never regretting not trying.