For me, it should be both. Yup you are young and very much capable of having a child, kaso kahit pang check-up wala. At the same time kahit gaano karami pera mo/nyo not considering na over age kna aside sa mahirap ka ng mabuntis u should also consider other complications sa panganganak na pwdeng mangyari sa'yo or sa baby which they say it normally happens for women 35yrs old and up.