So I think it's time for us to grow our family. Little insight my daughter isn't my bfs kid but he…

So I think it's time for us to grow our family. Little insight my daughter isn't my bfs kid but he treats and loves her like his own. He's 35 going on 36 and has no kids, I'm 28 going on 29 and have one kid. My daughter is 6 years old going on 7. I've never wanted a huge she gap between my children but I understand life happens. My bf and I want to get married but it's not do or die at this moment in time. I've always said to Myself and him that at 32 the baby making ship is closed. One I just feel I don't want to have the age complications that come with pregnancy (I had many complications at 22 with my current daughter) and also to be dealing with a pre teen and a new born not fun. Plus he's kinda getting up in age. He wants to wait til he's done with school and but buy a house and he thinks that we should be financially set to have a kid. In my head your kinda never really financially set you can be financially ok, just like we are now. Plus by time all this school and house buying is done it will probably time to close shop. Do you think I'm just being impatient or realistic?