Brain,

Do you know if you were in Nepal,a year after you marry you're expected to have a baby or face the yelling from parents and "infertile" status from your neighbour. You're in a better situation now. Never forget where you come from.

Now with baby, you have 2 choices:

1. Financial : If you're not financially stable, you'll have to pin down from monthly diapers, daycare, rent/mortgage, car payment, groceries even delivery cost during pregnancy. Add them up and show it to her why it's NOT the right time. This will only work if you're NOT in the most finiancial situation. She'll know if you're making them up, so becareful, it might even turn worst.

But if you're fine with your finiance, it's a whole new story. It depends upon you whether you really love her. Give her one child, let her be happy. She's the one who'll do the most, taking care and raising him/her. Tell her that she'll have to do everything if she wants a kids right now and that you can actively get involved only if it's after 3 years. She'll agree.24 is not that young. One day you'll have to kids anyway. If you're financial stable, why not start a little bit early, it's not like your're 16.

2.Belief : If you're one of those who thinks kids are pain and hate them, you should explain her about it. Good luck with that. There's no way to change your belief  since you're raised with those values. I've seen few in my life too. It's a disaster for these people to marry anybody when young.I don't think it will work, no matter who youre' married to.