Do you ever KNOW you are ready?

I am 26 and my hubby is 28. We have been married almost 3 and a half years. He has a stable career. I kind of do too (they said they would replace me if I go on maternity leave but they can't do that, right?)

The hubs says he wants kids but wont ever feel ready so I can just stop taking the pill whenever I feel ready.

I love babies and want them but I dont know if I really am ready.

Will I ever feel completely ready? Or is it something you just do and love it afterwards?