I am currently working my way through college, (almost done, hallelujah). And I have been in a healthy, loving relationship for over 3 years. For years I said I did not want kids. And now I feel like a completely different person... I even have baby names picked out—boy AND girl names.

I guess the real question is here, when is the right time to have children? I’m only 21. I do want to have more financial security before having a child because I know kids are expensive... but what do you ladies think?