sweetie, nobody can predict when the right time is...its different for everyone. I was 21 when i married, 22 when i had my first live birth...and here i am, aged 44, trying (and trying!!) for (live) child #6 (9 if you count angel babies!)
Ive been with my o/h since i was 14, and in january will celebrate 30 years as an item, and in may we will have been married 24 years.
We have had some very tough times in those 30 years and come out of the other side of each and every one of them....bizarrely, every single friend who was in a couple at the time of our wedding, have divorced/separated from the one they were with at our wedding, except us.
You will always imagine there may/could be a better time, but in truth, there could always be a worse time too....my advice is...if it feels right for both of you, then go for it.....nobody can predict what will happen in the future if you wait, but equally, if it doesnt feel right for either one of you, then dont do it, and wait until it does feel right for you both.
And as for money/career etc...when a baby comes along you just manage...you adjust and it all seems to come together...maybe not in the way you envisaged in pre baby days or when you were younger, but when does life follow plans anyways) but you always cope and adjust (often without even noticing) and it all seems to come together!.