College and baby?

I'm a junior in college, 21, married, my husband is 23. We have been talking about having a baby, both of us are very excited to have a baby. We aren't trying because idealy I would be out of college, he already is fully launched in his career. But we aren't using any protection and would be happy to have a surprise occur. I only have a year left and we are financially stable, am I crazy to feel baby ready?