I'm interested in breeding one day as well, but I know even now at 20 I am not yet in a place where I could do it properly. Meanwhile I know others who are 13-14 who have the time, money, and experience to do it right.
I live at home where my parents are trying to move, they aren't interested in new pets and I don't have a job--so all the money spent would be theirs or christmas money. Christmas money runs out eventually though, so though I might be able to grab some cheap tubs, a pair on aquabid, and maybe scrounge for heaters and jars on the cheap, I might just barely have enough...Now what happens..if the fry get velvet? If the male beats up the female? If I barely had enough to start the program up, it means there is no room for error. I don't like the sound of panicking over having enough to save baby fish who I brought into the world. I might be able to handle it, I could even raise them all into adult hood. But it would not be a fun experience right now. I'm just not financially ready for that, nor do I have the time honestly with my other pets and school work.
However, others the same age, older, younger, who happen to be in a better situation than me.. Can easily make it work. They can dedicate the time and money into doing it right and having the whole breeding process a rewarding and enjoyable experience!
I don't want to ruin breeding for me by having a horrible time by not being prepared, so I'm willing to wait. That might mean next year, or it could mean five years from now.
I'd still rather wait personally, until I know I can really handle it, no matter how much I really really want to. I just know I won't be able to give the project my time and devotion right now.
But if you think you can handle the responsibility and the time and money and all that comes with breeding, than you can do your best. Just make sure you can handle it all three months down the road :)
And sneaking pets(especially when they are for breeding) never works out... Just puts the animals in harms way!