Hi OP.
Please don't beat yourself up about how you're feeling. There isn't a right way to respond to a pregnancy, even if its wanted, its still an uncertain and scary time for lots of women.
When I was pregnant with my first (planned, much wanted) I drove myself crazy with worry about work/ whether it was the right time/ whether my life was over. I wanted it all to be perfect, to have the baby at the perfect time, and to feel secure in my career so that it didn't feel like I was throwing it all away (and throwing away 'me' I guess). It also made me feel guilty, because 'good' mums aren't supposed to feel this way (apparently!). But I felt consumed with anxiety about the future.
In fact I've just got pregnant with my second and even now, after everything, I still had a bit of a tizz at the weekend. It's normal, and natural I think.
But with the benefit of hindsight, I would say this. Yes, it helps to have a secure career/good maternity pay of course it does. In the event, I lost my job while pregnant (a massive stress) and all sorts of things went wrong.
But this is life. Nothing about the process of having babies is usually easy or straightforward - literally no one I know has had things all go to 'plan'. They've had losses, infertility, mental health issues, traumatic births, poorly babies, babies who won't breastfeed, losing jobs, moving houses, divorces. It's a minefield! But equally, they've all got through it.
I think my point is - nothing about life can be depended upon, it might not feel like the right time to have a baby (and that's completely your choice). But the right time doesn't exist, it really doesn't - the best laid plans and all that... Sometimes you just have to take a leap of faith. FWIW, my son is the greatest thing that's ever happened to me (though I didn't immediately think so!)