Pregnancy questions

I’m 18 and always said I’ve never have kids. I’m not pregnant. I started thinking that maybe at 24 I’d have one kid. I’ve seen a lot of terrifying things about pregnancy and while I have a decent pain tolerance I know that doesn’t mean anything to child birth. So my questions are: how bad are epidurals?, when they push on your stomach is it actually like as soon as you pushed out the baby?, other than finances what else should I take into account birth wise before getting pregnant?