I'm 31, married, was on a good wage (now a SAHM), my husband is on a good wage, we have a house, a car each and it's STILL hard.
My pregnancy was exhausting in a way I can't even begin to describe - you're supposed to have an energy pick up in the 2nd trimester but it didn't happen to me. I got home from work at 5pm and went straight home for a nap. I really began to resent the stairs and wish my house came with an escalator/lift. It was emotionally exhausting, my DH often woke up to me crying in bed because I was so worried about it all.
My labour didn't go to plan. They never do, I don't understand the point of having a birth plan... I had an EMCS and needed a significant amount of family support for the first 6 weeks of dc's life. (For example I was not allowed to lift the car seat or push the buggy) - Are you in a position where you would have enough support from GP/DP to cope if this were the case?
The initial weeks/months of breastfeeding are hard. They. Do. Not. Stop. Feeding. My DH really had to pick up the brunt of the housework or nothing would have got done. Is your partner the type to pitch in or would he let you live in a tip?
7 months down the line and we've settled in to a good routine, but they are so expensive! Yes there is highchair, moses basket, changing table, clothes they will grow out of/puke/poo on - all the additional laundry costs that will entail as well. Baby monitors, nappies, wipes, bottles and formula if you don't end up breastfeeding. Plus if you want to keep a handle on your mental health you want to take the baby to different activities (swimming? baby massage? baby sensory?) they all cost too!
Add to that all the household bills! Rent/mortgage, water, electric (baby must be kept warm at all times), food, tv licence etc etc.
I'm so so glad I waited before having my baby, hopefully no one I know in RL Mnets as I've totally given enough info to out myself, but... I've got my degree. I've travelled and seen some of the world. I've had my party days. Nowadays I have a 6pm curfew on days out as I'm the only one who can put baby to bed.
Please, op, think twice and live a little. Or at least try just moving out first, it takes a while to understand the reality of income vs expenditure and you don't want to get yourself into debt.
Sorry for the long post, but I like so many others, just want you to see the reality of it all.