20 and Terrified

Claire
I'm over a week late for my period. I took a test at what would have been 4 weeks and again at 5 weeks. Both were negative, but many of my friends who have kids have said they didn't have a positive until 6 weeks. I even had a friend who's tests were consistently negative and she didn't find out until 6 months. I feel ready, I'm about to graduate college and I'm emotionally ready, but my boyfriend is not, and neither of us are financially ready. I've only had 1 or 2 nauseous moments, but I spotted a bit, and I've had dizziness. Should I be worried?