04-15-2012, 01:17 PM
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Are you doing anything with her now? Ie. Groundwork. If you are not, it is never too early to start. It is also a good way to help her grow mentally.
Also, she is your horse. If you NEVER got around to starting her under saddle, andvwere happy with her as is, what business is it of your friend. If you want to wait for whatever reason, then wait. Unless you are sending her to your friend to be trained, YOU decide.