Is it ok to have a baby when you don't have your whole life together?

My husband and I have been married for a year now.  We both really want kids.  It's been something we've been talking and planning about even when we were dating.  We both have full-time jobs, and have some money in savings.  He is going to school part-time in the fall, and I will continue to go to school full-time while I am working.  By this spring, I will have finished my Junior year.  My question it too soon to consider having a baby?  We currently live in a one bedroom apartment, but are planning to look into other housing options in the Spring.  We want our kids to have the best possible start to life, but know happy families who started out with less than we have.  Any advice?