I know someone who decided to became a Doctor at 30 (no kids or wife). He did not go to a top med school but he graduated without debt and works in the ER. Now he has a wife, but no kids and works part time so he could become a brain surgeon. It's cheep to live a lower middle class existence and working full time in the summer you can make a lot of money to live off of the rest of the year. The idea that you need to go to a top med school and then as soon as you become a doctor you start driving a BMW is why most of his coworkers are poor and he has a nice savings.
My brother was the first person (ever) to go an offshore med school and then do his residency at Mass General (the Harvard hospital). So yeah, definitely don't need a top med school. And doing that at 30 (or 25 or 40) is awesome.
But a family is the biggest commitment/obligation you can have - [almost] impossible to deal with wife/kids/work/med school concurrently.
