Having kids

My boyfriend wants to have a baby but I’m scared because I’m only 19 and he’s 21. I don’t feel like I’m ready as a woman but I can see it’s hurting his feelings and I don’t like seeing him upset so idk if I should just let make a baby with me. I love him and he loves me, we live together. Should I have a baby with my boyfriend? Or should i stay stubborn and not have any kids with him until I’m 21.