Am I over thinking?

How do you know when you’re ready for a baby? This fall my husband and I will be completely debt free and then we’ll start the home buying process by the beginning of the year, so I feel like We are ready and in a really good spot in our lives. Then, I think of the cost of child care and things like that and get discouraged. I talk to my friends who have kids and they all say “oh that’s just stuff you figure out when it happens and that’s the least of your worries”. But I’m an over planner and I don’t think like that. I know people say that “if you wait until you’re ready then you’ll never be ready” How do you know when you’re ready? How do you get ready for such a big change? How do people even afford child care and all this added expenses in this economy?! I live in California btw. Advice? I’m posting anonymously because some girls are really judgmental on here and I’m just asking for advice. Also, I wasn’t sure where to post this so I just posted it here 😬