Your are the 2nd young adult today I have seen express that they plan to wait...I hope thats a true statement because alot of kids in here just wont listen to reason. Stick around and be a part of the community...tons of great info and help. Spenf the next cpl of years getting knowledge and when the time is right you will have a great turnout because you waited and learned.
Your brother is welcome as well..have him satrt an account and ask any questions that he may have. Good luck to you both