TTC AT AN EARLY AGE?

Is getting pregnant in your early twenties a bad thing? Like 21 to be exact. Do some of y’all wish you could’ve waited more? Me and my partner want to have a baby but everyone as in friend wise tell us to wait longer because it’s going to be hard and we’re too young, mind you none of them have any children of their own but our family supports us %100. We both have good stable jobs. HELP please. Some advice would be nice from people who actually have kids!