I'm ready to have a child but some of you would disagree.

I keep seeing that you're only ready to have a child if your 100% financially ready and have your own place .  I don't make a lot of money and currently living with my parents until I have enough money to move out with my SO . My SO makes good money but definitely can make better . The house we live in is big and my parents are begging us to stay. 
I live in New England and it's expensive to live here and yes we did try for this baby !
I'm 26 and I'm not getting any younger .