Pregnant and SCARED AS HECK, I need some helpful words

Well, as the title says... I’m 21 and pregnant. My husband and I are happy but scared. It wasn’t planned and we have a lot running through our minds. I’m going to go get a blood test, but all I can think about is the fear and doubt. My mom thinks that I will regret it and that I’m throwing my life away. But honestly I don’t do much, I married young and love it. I don’t party and all I do is work and come home. I don’t know what to do and how to feel, and if I should go through with it and be happy emotionally and financially. I need some helpful words of advice...