Ready for baby?

I keep getting told by friends that my husband and I aren't ready for a baby because we aren't ready. We don't own a home and we don't have anything saved up as far as money goes, but people who have less than we do have children every day and they're fine. We both have really good jobs with great benefits & we pay our bills. We're both 22. I'm about to give up because I'm sick of hearing about it. Does anyone else have this issue?