Is it ok to get pregnant?

Tania • Trying to lose weight before TTC
I am 29 years old and my SO is 26.  I finished my master degree and currently working.  My SO will start going to school for nursing (BSN) next Spring semester.  Honestly, we are living pay check to pay check, with some money to go out and have fun. I am not certain if it'll be ok for us to TTC now.  I don't want to wait until it's too late.  I feel the ideal time would be after he finishes his education, but I'll be 34-35 by the time he finish his degree.  At the same time, I want to have kids before grandparents are too old to enjoy them.  My SO opinion on this is that it'll be up to me to decide when to have kids.  That he'll be ok.  I just don't know what to do.  There's few things holding me back: I'm overweight and have been trying to lose weight for a year (lost 20lbs) and Have about 80lbs to go; fear of birth and the pregnancy itself.  I just dont know what to do. :(  Any advice or sharing your story would help! Thank you!

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