Baby fever

I'm 21 in school still a long way to go and I work anywhere between 22-30 hrs a week. And I have baby fever like I want to start a family. Like am I a little bit crazy? Like I don't think it's the best idea because I already have so much on my plate but yet I still want to just have that joy of being a mom, and having a family. Like I still have a ways till I finish school I'm almost to the hard part. And having a baby right now just might make it harder but I really want to have my man and have a baby. Tell me im a little insane?