Im clueless and in need of help

I have a toddler who is almost 2 and a baby on the way. I was told by a family member that I’m setting my child up for failure because he’s not enrolled in any programs. Am I supposed to have him in preschool or pre K before he actually starts school? I can’t afford any preschool program as of right now since I’m out of work due to complications in pregnancy. We are living off my husbands income which is hardly anything but it’s all we got. I don’t want him to be behind I want the absolute best for him. I’m so down right now. Am I failing? He knows a few words and can say a few sentences. We read and sing our abcs. We count. But he doesn’t repeat either of those. Y’all I feel like I’m letting him down.