My boyfriend and I have been together for 4 years, we are financially stable and live very comfortably, and we both are wanting a baby

We are both 22 but I feel like we would get some slack on that because I feel like everyone wants you to be 30 before you have kids. We both had young parents( my mom was 18 when she had my sister, 21 when she had me, my dad was 24. His dad was 20 when they had him his mom was 21) and we see how great it is for them now that they are still young and able to have some freedom. Also we just generally feel ready.

So is it to young? What do you think? What’s to old do y’all think?