Baby planning?

i'm curious if this is something that happens less often. I often find myself wondering how majority of people manage to have kids when they're not like prepared either physically or financially and if it's really really hard when that happens

Do most people just take it and run with it when it happens or is it usually planned? like lately I've been talking with my husband about like a five-year plan and getting our finances in order and stuff. Are we overthinking it or is it best to plan ahead if you can? For us there is some more planning required because he'd have to get his vasectomy reversed and then we'd have to wait for after that. He's also concerned about making more money first and what we would do about childcare

I can't stop thinking about having kids lately it is genuinely all I can think about. granted I am 21 but he's a little bit older he's 30, and the last thing I want is to wait too long and then it makes it harder for him to keep up if we did have kids

is there any advice you ladies could give if you have planned your pregnancies having kids before or how much it takes if you're winging it?