Why I'm not TTC with my SO anymore

After one of the biggest arguments we've ever had I stopped and thought "what the hell am I doing" I knew it in my gut it wasn't the right time TTC but I continued to try with Opks, constant tracking, symptom searching etc Reality is, we really are just not ready not financially but as a couple. I do not want to raise my first child in the same environment I was In. I was just inlove with the idea of having a child and a loving boyfriend. I am only 20 and what pushed me further away from the idea is me booking my contiki tour to the USA ?
​Young women if you truly feel in your gut your relationship just isn't ready for that type of responsibility, don't ignore it. Recognise it before it's too late.