What is considered too young to have a baby?

Sabrina • I am 21 years old. I have no kids. Focused on my job and school ?❤️
I mean I am 20 years old and I have a nice car 2012, I work full time at a bank making over $15 an hour. Been going to college 3 years. And I have been with my boyfriend strong 2 years and we live together in an amazing neighborhood. I don't like to be told I am still a child who can't have kids. I am grown and forget age I do what I have to do to maintain myself and I have amazing experience with kids. Shoot I basically raised my cousins baby from birth. I'm just asking what would people consider too young to have a kid. I am a Christian as well so you don't have to tell me "enjoy your life" cause some people consider that as drink and party while you can. But I don't do those things either way? so waiting on Gods timing to bless me and of course being careful along the way. ?