Dear friend,
If you really want a baby, go for it!!! This is the most wonderful thing that can happen to a human being (it is the best thing that ever happened to me after my husband) I already have one and expecting the second one now. A bit challenging for me after 8 years and I am not that young anymore.
Worried about the finances, work, etc? Who doesnot. When it is time, God provides and you will learn and make the best of it for your children. That is life.