Age 21: Get married. Age 22: Have first kid. Age 25: Have second kid/adopt Age 27: Have third kid/adopt. Age 29: Have fourth if you want. Age 47: Start busines

Age 21: Get married. Age 22: Have first kid. Age 25: Have second kid/adopt Age 27: Have third kid/adopt. Age 29: Have fourth if you want. Age 47: Start business now that kids are out of house and you have experience.