Solidly stuck!!

My husband and I are TTC and have been for a while now. And I really want a babg for many reasons. But I stop and think about it sometimes and just go into panic mode! I'm so terrified to deliver one, so much could go wrong! And I'm worried that maybe we aren't financially ready, but my friend is way worse off than we are and her little family is doing great. I just can't fully make up my mind on what I want. Does this happen to anyone else? Opinions are welcome, just please don't be rude about it. And honestly, we will probably have one anyway because of certain situations, such as his mom is pretty old and drinks a lot and such and we both really want her to meet her grand babies and that's all she really wants in life. Obviously there are much such as we both would love to be parents.