Second thoughts

My husband and I have been discussing starting our family in the new year. I’ve been 110% for this to happen, if fact it couldn’t come soon enough. Lately, I’ve been in the lack of better words panicking... I started to feel that we aren’t prepared enough (we are financially and emotionally, I’ve been waiting for that day since our wedding night). I’m just not sure if I’m psyching myself out. Is it normal to feel over whelmed and under prepared.