TTC or keep waiting?...

My heart is telling me it’s time to start trying for a baby. I’m 29 and I’m afraid it might take a while, especially because I have short cycles and ovulate really early. My husband is 33 and has been ready for a baby for a few years and has been patiently waiting for me to be ready.

But my head is telling me to wait. We’re not totally financially stable, we could manage, but I’d like to have a little more saved up. And I don’t think I would be a very good mom because of my anxiety...

I’m stuck wondering if I should listen to my heart or my head...

Anyone else been in a similar situation?