@smellmybacon
23 IS young IMO, and I cannot imagine being tied down with a kid, and a load of bills, and a mortgage at that age.
You should be partying, and backpacking around South America, and going to music festivals, and getting pissed every weekend in your early 20's, not be changing nappies and paying a mortgage.
You sound old before your time.
I also have to say there is nothing good or special about having a mortgage at 21-22 y.o. A few people on here are acting like they are morally superior because they had/have a mortgage just a couple of years out of their teens. Why have THAT ball and chain around your neck at such a young age? 
And this isn't aimed at you OP, but at someone who said you must be mature to have a baby at 20-21.. Having a baby just out of your teens doesn't make a woman 'mature.' Indeed, some of the most childish, petty, immature women I know, had their first child really young. (Like under 21.) It's like they settled down too young, and never had a chance to mix with their peers, and experience the world, and their adolescent mentality never left them.
I also see lots of women who had kids between 16 and 21-ish out clubbing and getting pissed in nightclubs, and throwing themselves at lads 15 years younger, when their kids are teenagers, (and they are in their late 30's,) as they are trying to recapture the youth they never had because they had kids so young.
Not gonna lie, it's really cringeworthy to look at.