Op you are missing the point here, people don't care at all about the age gap, (or that you are 22) we are all trying to show you how to protect yourself and your potential baby.
No one can be sure their relationship will always work for ever, once you bring a child into the mix, a degree of worst case planning becomes essential, hopefully you will never need it.
At 22 you have not yet faced many of the challenges life may throw at you, redundancy, illness, relationship beakdown, to mention a few.
An example, l was very independent in my 20s, had my own business, own flat etc. Was adamant l would never give up work if l had children......
When l had my daughter, both she and l nearly died, she had some long term health issues and there was no way l was putting her in the hands of anyone else, plus my health was not good, so l stayed home.
I was lucky, l was married, my husband and l agreed for me to stay home for a few years, we had between us 2 properties, substantial savings, and he had a good job.
Never have l been more grateful for all the sacrifice to accumulate the above in my 20s when l was fit and well, and energetic enough to work 60/70 hours a week.
It could have been so different.
If you are unable to see the collective wisdom here, you should not be having a child, take onboard the advice and marry before you have a baby.