This whole business of when did you not marry at a certain age is beyond me. It’s not up to the individual. Many times in case of arranged marriages, the girls side likes the rishta but the boy’s family reject her and vice versa. Plus a lot of people feel especially in Pakistan that a girl can’t complete her education after marriage and wait for that. And that’s true in case of a joint family system where if in laws would rather not send the girl the university, they won’t.
Regarding kids, I have 7 sister in lWs who all got married late, youngest at 26 and the oldest at 38. Except one ( who had reproductive organ issues before marriage), all have kids. Three of them had kids had kids at 42 and 43 respectively and no IVF was involved. It was not that they had nakhras and married very regular joe kinda guys, it just did not happen for them earlier.
Yes, ideally you should have kids before 35 but the ideal is not everything.