I didn't get married until I was 26, I had my son a year later and my daughter 2 1/2 years later. I know women who have started their families when they were pushing 40. I am currently 43, and my husband is going to be 48 next month. He's been completely gray since before I met him, and we've been together almost 17 years.
I have no regrets about waiting to get married and start my family, I think it was the best thing I could have done! We pulled off our wedding on a "shoe string budget" compared to most people, and it was a WONDERFUL day!
I agree with what enjoyeverysandwich said, elope! Or get married at the court house with a few special friends and family members present, have a nice reception and then take a few days to go away somewhere special to start your marriage. Fancy weddings are nice, but years later you'll wonder if you'd have been better off spending the money on a home or even putting it away to start a nest egg! The pomp and circumstance only lasts a few hours, what's more important is your commitment to each other and your relationship! Small weddings can be VERY special and are much less stressful! Go with your heart, it never fails you!