I got married at 18, had my dtr at 22. My hubby and I knew we wanted children from the start. We had names picked out before we got married. We tried waiting till we had more money but realized we would never have enought money to raise a child the way we wanted. I think if there is a lot of doubt in your mind, it is not the right time (just my opinion). I also feel no one is ever really "ready" to have a child. It is like no other experience you will ever have from the time the pregnancy is realized.
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