In all honestly, you should wait for a couple more years. A baby really changes everything. Absolutely everything. You have no idea how much you have to sacrifice for your child in terms of money, time, sleep, etc. In the first two weeks after my daughter was born I didn't get to eat until after my husband got home, usually at 3 or 4 in the afternoon, but sometimes as late as 6 or 7. I literally did not get anything but juice and water all day long. My son is 11 months old and just started sleeping through the night a few weeks ago. Until then he'd wake up 2-4 times a night and I'd be up with him for an hour or two getting him back to sleep. that meant that I was awake for up to 8 hours a night.I get my hair cut once a year if I'm lucky, I just got new clothes (3 shirts and one pair of pants) for the first time in almost 3 years, not counting maternity clothes. Pregnancy caused my feet to grow half a size so I had to get rid of all my fabulous shoes and all I have now is 1 pair of Ugg-type boots and a pair of flip flops. I want new shoes, but I'll be getting pregnant again and I don't want to waste money on shoes I may outgrow.It costs $150 a month to buy my son formula, it was costing over $100 for diapers until we spent $400 on cloth diapers, but now I have to rinse poop and pee out of diapers several times a day and I'm doing laundry every day. Jarred baby food was almost $80 a month for my son, organic snacks for my kids is about $100 a month, on top of the regular food we all eat. Our grocery bill is probably $400 plus the baby food and snacks, almost $600 total because we eat fresh, healthy organic food. I have to wash several sippy cups every day in addition to the regular dishes, and the sippy cups all have tiny parts and straws that have to be hand washed. I'm constantly cleaning the house, picking up toys, clothes, food messes, etc.Don't get me wrong, I love my kids more than anything and I am excited beyond words to have another one or two. But it's an incredible amount of work, money and dedication. It's a lot of stress and even more sacrifice. And that's with a husband who actually helps me out with housework and diaper changes.Having kids can be the greatest part of your life, but you have to be ready for it. You have to be financially stable in order to provide for them, you have to be aware of how draining it can be physically and emotionally. You'll have plenty of sleepless nights and you'll still have to go to work or, if you're lucky, you'll get to stay home with your baby, but you'll still have to get up and take care of your baby after getting no sleep.I was very mature at 20 but there is no way I'd have been able to take care of a baby the right way. I waited 5 years until I was married and we could afford for me to be a stay at home mom, and I'm glad I did. I'm still young enough to have the energy to take care of two toddlers but I have the maturity to be able to always, ALWAYS put my children first. There's no need to rush having kids, it's a lifetime commitment and you have to know what you're getting into.