How do you know when you’re ready?

My fiancé and I have talked about wanting a baby for a while now. Him is 22 and I’m 21. I know if I had to raise a child now it would be hard but I would make it work. Almost every time we have sec he mentions wanting a baby. How do you know when you’re ready? I’m just afraid that we can’t give him/her what she needs.

I would love to be a mom and I know he really wants to be a dad.