When will we know?

So my husband and I want to have a baby, a little one that can run around and cause chaos. The problem? We are not sure when we should have a baby. Prior to Covid, we were hopping to start planning on having a baby. Though, I lost my job, fell into depression and more things piled up. We talked and thought that having a baby while struggling would not be the best decision, but it has been a year and we do want to have a baby. We went back and forth on if we should have a baby. But now? We both want to have a baby, I mean so much so that it hurts. We see our family and friends having babies, we both go crazy seeing a baby in the store, we just want a little human to love and watch grow, to care for. But we are doubtful that we can provide for the baby. We are not doing bad financially, but we want to have more than enough? Any time I ask for opinions, I am told that regardless of money, we would "just know." But, when will we know?