I was 34 after I had mine done. It was after the birth of my 2nd daughter. I had some complications w/my diabetes & Haley ended up in the NIC unit for about a week or so after birth. The decision was still hard to make even though there was the advice from my dr not to have any more children. But the hardest part of it for me was kind of like I was broken - like a broken toaster. I know this sounds absolutely crazy, but the emotions that are felt afterwards are hard, but then I realize that I can be all that much more of a mom to the girls I do have. My husband wouldn't even consider a vasectomy and truthfully I think that w/some men it is an even more emotional thing for them then for us. What does bother me is that I don't have the choice anymore - if I did want to have another child they could try to untie my tubes, but with them corterizing them & all, it's not highly likely. The thing that I think about most is what you have already said - if you are at a point in your life that you don't want to stay in the "baby thing" and have to worry about making ends meet, then if you are both in agreement, I would say do it. Finances are a big issue w/children, I remember my mom telling me that she had the 4 of us because in the 70's you could raise a child w/love - not anymore - not that you don't put so much of that into it, but everything is so expensive. I know I'm going around in circles here, but this is really a decision you have to feel in your heart is the best. It's been almost 6 years since I had mine and I still miss the possibility of having another one, but I also just turned 40 so I know now what more would be involved. Good luck!