I was 23 when I had my first son. My husband and I had NOTHING. We rented a condo and were making car payments.....we had nothing!!!! We worked to pay the bills. I was on the pill when I became pregnant (my son is fine) so it wasn't planned. I wouldn't change any of it for the world. That little boy made me grow up and be a responsible person. I found a better job, I decided I wasnt going to settle for uhhhh anymore. After 4 years we bought a house. My husband and I both have fantastic jobs now and have had a second child. We had another boy who is now almost 11 months. As so many other people have said..........If you wait for all to be right with the world before you have a baby, you'll never have one!!!! Best of luck with whatever path you choose