i dont think anyone should be pressured into marriage or kids as you obviously seem to be, and having kids before 27.... thats just a lie tbh after 30-35 your chances pf conception drop slightly and you have a slight increased chance of downs syndrome THATS ALL! i think you will be making a mistake... but thats just my opinion.
thats not actually true, have got 5 kids myself and find that its often only women desperate to con there fellas into having kids say they should before there 27. If someone feels that they need to ask other peoples advice as to whether to get married the answer is no, as if its right theres no question about it.
After reading your story, I just feel that, you are so selfish! If you don't even want to marry her, why do you live together with her for 3 years and a half? You are wasting her time. Lots of women want to get married before 30 years old, and there is no any wrong with it. Also, to have a baby after 30 years old is quite a dangerous thing. You just care yourself but never show any care for her! You said that, you didn't have much money and didn't want to run a big wedding, OK, and have you ever talked about this with her? Doesn't she know you are not so rich after spending so many years with you? She wants to get married with you and she doesn't care whether there is enough moeny or not. She must know that, there will be a big expenditure for having a baby, but she still wants and would like to struggle hard together with you for your baby and future life. In all, you are a irresponsible person and you aren't dared to take responsibility.