Is 16 too young?

I am sixteen, and people around me have been saying I should wait just a couple of years at least because I haven't even grown myself, etc. 
Despite that, me and my 20-year-old boyfriend believe that we can do this. I'm still in school but I'll switch to homeschooling once the baby gets here, and I'll work once I can. We have a solid plan. We can provide this baby everything, money won't be a problem. The answers won't change my mind but I was still wondering what some of you might think. What would you have done in my position? 

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