Every ones life is not the same I Can see both sides of your problem. But if you have the the money and love why should you be held back from getting a baby to love. Just keep in mind that when you get a pet it is for the life of the pet. If you will be having life changes in the future that what ever you choose to do is for the both of you. Example: you get a job in another state and need to move. Where you are moving it is really high priced cost of living and Really hard to find a place that will take pets. And those that do are Much higher in rent and have $$$$ for pet deposits.
If you Think you have the time money and Love . say go for it just remember the
commitment
good luck with what ever you deside on