Am I making the right decision?

I've always wanted a baby. I was thinking about doing it on my own since I'm not currently in a relationship, but I have so much going on with work and then at home with my parents (my mom is disabled and I help the best I can). It feels like right now is not the right time to have a baby. But I'm 38 and I feel like if I don't have a baby now, I probably never will. I've told my mom I've decided not to try. I know she's disappointed because she really wants to be a grandmother, but there's too much going on that I don't feel I can give as much time as I want for a child. The idea of not having a baby hurts so much. I don't know if I'm making the right choice.