My parents joined in 2005 at SSR. I was only 20 at the time and still in school. I wanted to join as well, but I figured I should wait a few years, at least until I was out of school and had a full time job! I didn't wait too long since I just joined at AKV last year.
Now that we both have points, we definitely plan on combining a lot and staying at 2 brs and GV's once the kids come along!