Single ladies, how do you respond to "why aren't you married yet?"

[smiley21]

Well, my 26th birthday is next week, so this question has become a major topic for me. So many people that I know are married or getting married (and these are people between 21 and 24). My mom is actually a little concerned about me because I am not as social as I "need to be". She wants me to get out more. It is just that things are happening late for me (i.e. I just graduated last year). I am still working on getting my career started. I definitely want to be married and have kids someday. It just has not happened yet. I want to be more settled before I get married anyway.