My boyfriend has chronic disabling pain and my clock is ticking?

... it all depends on you. You can't ask someone else to make that decision for you. That's a blatant cop-out. We're as ineffective as psychics... it's just that you don't waste money paying us to give answers. Sooo.... just remember this: if this is about marriage, the average age for marriage nowadays is 28 because people have higher educations than back then. If this is about children, look around you. The world is overpopulated enough... adopt a kid. Give someone a home instead.