Window is not closed at 39/40. Of course, risks are higher, but you should consider the balance of risks vs regrets. It's NOT too late. (says someone some year

Window is not closed at 39/40. Of course, risks are higher, but you should consider the balance of risks vs regrets. It's NOT too late. (says someone some years older than you and who got a 4th baby 2 months ago with a wife same age as yours)