I don't think having a baby before 25 is a bad idea, but it is a bad idea to have them with the wrong person. I'm not going to categorically say that your DP is the wrong person, because I don't know him or you. I can see that you fel think your relationship is problematic, and it probably isn't right now, because both of you are relatively independent, you have your own friends, your own money, you are not reliant in any way upon each other, and it's fairly normal to see your partner as one of the most important priorities in your life. So what MNers have described as "controlling" you are probably thinking isn't that bad at all.
However. Having children does change things, and your other thread did throw up some red flags. (Which doesn't mean "run away now", it means "be aware of this and have your eyes open.") Your lifestyle (especially as you want to be a SAHM) will change dramatically whereas his will hardly alter at all. You will become out of step with your peers, particularly when being the first in the friendship group to have children, which can be really difficult and isolating, and quite unexpected in how much it actually affects friendships, too. Everybody thinks that it won't, but the reality is it does change things. If your DH is already difficult about which friends he likes you seeing, this is likely to make that even more difficult. How is he with your family, BTW? And new people too - if you're the first in your peer group to have DC then it's likely you'll be meeting new families through DC and it's helpful if your DP is willing to participate and meet new people with you and difficult if they tend towards being a bit of a grump about such things.
You also mentioned that he is cautious about money - which can be a huge source of conflict if you're at home on a much reduced salary or totally reliant on him. It might seem fair currently to split bills according to how much you each earn but it won't be as fair if there is a much larger difference. Another trap that some couples fall into is paying different amounts on bills but still ending up with vastly different amounts of spare money. In addition to this, often the child-related costs end up being paid by the mother, out of this smaller pot of spare cash. That's unfair and will lead to resentment if it ends up working out that way. But likewise, you can have it much more even and fair, and a man who likes to control what you spend will feel hard done by because he feels as though he is more deserving of the money than you are. I'm not saying your partner will be like this, I'm just pointing it out as something to be aware of and perhaps talk about before you get pregnant.
Other related stuff, which has no bearing to any post you have ever made but worth bearing in mind when considering if your partner is the right one to have children with. (Rhetorical questions to think about, not expecting answers on thread! :))
- How much housework do each of you do? Are you both equally happy to step in and pick up the slack if the other is less able for some reason (sickness, extra work demands, etc)?
- How does he treat you when you are ill? With compassion or is it more expect no fuss? (Relevant because pregnancy can make you quite ill, having a small baby can render you incapacitated, some women suffer PND, and just the general fact of being more reliant on him than you currently are.)
- Could you and would you trust him to make a major decision which affected both of you without you if for some reason you were not able to be there? And in reverse? Would he trust you? (If the answer to either of these is no, then you may also want to look very carefully at whether you want to get married.)
- Have you discussed child rearing and do you have similar or compatible views on subjects like discipline, diet, expectations of what family life will be like day to day, education?
Good luck - it's a life changing thing whichever way you go and whatever time you choose to do it, really! :)