baby at 24 or 30?

Roxette
Im currently 21 years old and ive been wanting a child since i turned 21 about 6 months ago. Having a baby especially a baby girl has been my dream for a long time but im not sure of ill make the right choice by having a baby by 24. I dont want to be to old for a baby because i dont want complications and i dont want to be to old for my kids. However, many people tell me that its best at 30 because it's financially better.