When do you know it's right to have a baby?

My husband and I have been married 2 years. I love him to death and just know he's going to be an amazing father one day, he's absolutely adorable with kids. I know I want a family, and I know that practically, we should start that soon because I'll be 25 this year. My husband has never pressured me about it, and neither have my friends and family. I'm just scared of actually going through with it. What if I can't be the mom my kids need me to be? What if something happens and we don't have enough money set up? What if I do something wrong and mess my kid up? What is being pregnant even like? I know everyone says you can't prepare for Parenthood, but how do you know you're ready to try?