I'm with you OP.
I'm 31 and will probably nanny one more year before applying to grad school, just to save a bit more, but I sometimes thing about life choices and get uncertain. Grad school means my partner and I can't even think a out kids for another five+ years and although neither of us are sure we want them we aren't sure we DON'T either. Continuing to nanny would be a great solution if we decided to have kids, but if we don't I would feel very insecure about my long-term prospects.
So basically no idea
