MindiV, I'm your age and my DH and I have bounced back and forth on this. Due to my back issues, being pregnant could cause permanent back damage and I'd have to be on bed rest the whole time. Way back when we started dating and talking about kids, we wanted to have one biologically and adopt one. Now, we want to wait until we have our own house and adopt a 2-4 year old. We just like the idea of adopting a small child vs. and infant, but that's just us

You just have to talk it over, pray, and decide what's best for you. We love our nieces and nephews and have them over all the time, but it's nice to be by ourselves too. In a few years, we'll be more ready and ready to adopt.
Good luck!