Don't wait if a family is what you both want. Especially if you want more than one. I agree with Matissy - if you are less certain of having children, by all means wait. I don't think you can ever be sure of the timing, but you should be sure of the principle.
Firstly, you have a family history of early menopause. Having a mother with early menopause is the single biggest indicator that you are at risk of that happening to you too. Once you go into menopause, whatever the papers imply, the chances of fertility treatment enabling you to carry your own genetic child fall massively (most of the success stories you see are with donor eggs, which is a very, very difficult path to tread in this country in terms of availability, etc). Basically, fertility treatment works best on people who otherwise have a good profile for having children: women of the right age group with partners of the right age.
You are 32 now and will be 33 when you start trying. You are assuming that everything will go smoothly. If not, it's generally a year of trying before you will be referred. So that's 34. Then maybe another year before you get to the point of starting a cycle of IVF (investigations, etc. Others will know more about this time period than me, I'm just basing it on friends' experiences). So that's 35. Say it works reasonably quickly, giving birth at 36.5. You are massively pushing it to manage a no. 2 pre-40, especially if you don't immediately have the financial means to go for private IVF.
Even without major problems a common time line might be (this is a real example from a friend of mine who wouldn't say her situation was particularly remarkable):
- 6 months of trying
- A miscarriage at 11 weeks;
- 3 months of getting her head around it ready to start trying again;
- Around 3 months of trying again;
- Baby 9 months later;
- 3 years before she felt ready to try for no. 2 as no. 1 was a very poor sleeper;
- Around 6 months trying again;
- Baby no. 2
That's 5 years from when she started trying to staring to try for no. 1 to TTC no 2, and around 6.5 years from starting to TTC no. 1 to completing her family. A timeline like that would take you well past when your mother had her menopause wouldn't it?
I know quite a few mums from my old, professional bit of London who had their first child significantly post-35. Many of those conceived easily and it all seemed quite rosy to me and a bit scaremongering the way people tell you to get on with it. However, 5 years later many of those either had DC2 far quicker than they wanted (because they were scared of declining fertility) or haven't managed to have a second child. Obviously, sometimes those scenarios can't be avoided (e.g. meeting your partner later), but it's worth bearing in mind if you are making an active choice on timings.
Also bear in mind that, for many women, their fertility falls massively a full 10 years before their menopause. My mum had an early menopause and this was very much on my mind when we decided to TTC at 29.