Help!!

My boyfriend is 20 and I’m 19. We both have stable jobs, pay our own bills & all of that stuff.. and we really want a child.. I’m just scared of disappointing my family.. are we too young? I keep thinking “oh I’m an adult I make my own choices!!” But then I remember I’m still a teenager.. my mom was a teen mom with me and she always says it was so hard but worth it in the end so I hope she would understand.