I want a baby at 20 years old

Most people think I'm crazy and say have fun be young. I can't help it though I want to have a baby so bad. I literally don't party or drink. The only thing I do in my free time is sit at home or go hang out with my one friend that already has kids. I work at a daycare so I know how hard kids can be but I love it. The only thing stopping my is my SO we have been together almost 3 years but he wants to get married first which I understand and is super concerned about money. But whatever I just needed to vent.