Is 20 too young to have a baby ?

My boyfriend and I have been together 4 years. He’s ready for a child but I’m not sure we’re ready yet. He’s working , Im in my 3rd year of college and we have our own house. We plan on getting a car soon and he thinks by then we’ll have everything we need to have a baby. I need help deciding if I should act on what we want or wait.

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