I think people saying you’re young and naïve are being unhelpful and possibly unkind. You’re doing everything right - you want something, you’ve tried to think it through logically, and you’ve come here to ask for advice from people who might have more experience than you. That’s smart at 20 or 70. The fact is simply that you can’t know what you don’t know, and that’s true at any age.
You think you’re ready at 23. I respect that. People have given you some good advice of how to make sure you’re the most ready you can possibly be (save up for a year or two, prepare for nursery costs ahead of time, etc). I have a different story to share.
At 23, like you, I wasn’t much interested in relationships.
At 25, I was married to the love of my life and probably going to have children within a few years.
By 28, a diagnosis meant I was never going to have my own biological children, and if I’d had them before this point, they could have had the disease I’d just been diagnosed with and it would have been horrific.
By 30, I realized I was never going to be able to have a child of any sort as my illness was progressing.
By 35, my body was so broken that I could no longer do a lot of things I’d taken for granted - working in an office, going out of an evening, being able to take a full breath.
By 37, I was divorced but still living with my ex because I needed the physical help. He also immediately married a woman that I thought had been my friend, and she lives with me now, but doesn’t speak to me.
By 38, I was told my diseases (since there were now two) would be life-limiting, combined.
And here at 39, almost 40, I’m dying.
My timeline is a crazy one, yes. My point is just that it is so, so impossible to know the path life will take you on. One of the benefits of raising as child with a partner, I’m afraid to say, is that if I’d had a child and then years later gotten my terminal diagnosis, I would have the comfort of knowing they’d have another parent to care for them (another reason to try your best to pick a man who won’t be a shitbag, absentee father, although there are NO guarantees).
By giving it a few extra years (to 25, or even 27), you are more likely to have run into one or more of the things you could never have predicted in your own life, and they won’t affect your child when the time is right. Maybe you find a partner. Maybe you win the lottery. Maybe it’s something less positive, unfortunately, and you lose your job. Maybe nothing changes at all, and your life continues on as is. The point is it’ll be behind you.
I would give it a few more years. Take this time to save up for the baby, and know that you’re not in a rush and you have time to see the shape your life takes.