20 and wanting to start a family

So I’m 20 and my husband is about to be 22. We’ve been happily married for 2 years and have been talking about starting ttc. My husband is in the military and everything seems perfect to start our family. We have 2 bedroom townhouse, free healthcare, and enough money that I would be able to be a stay at home mom. However, I know we are both young and all of our friends are 25+ with no kids and are constantly telling us to enjoy our youth which I totally understand but I don’t even feel like I would be missing out on anything. I guess I just want to hear what some mothers or other women ttc think.