I was a bit older than you, pregnant at 20, gave birth at 21. Unplanned, in my final year of uni.
Now 27, I have a respectable career, decent house, and I’m expecting my second.
In all honesty, financially things were/are hard. Luckily, I’m not too bothered about having money. As long as I can meet basic needs then I’m ok.
Other than that, I can’t really describe too many negatives about being a young mum (though there are negatives). I adapted really quickly to the baby lifestyle and to making sacrifices. I almost feel like I was way more unbothered by certain aspects of motherhood than my friends (who I met in baby groups) who were all 30+. I think the younger you are the less stuck in your ways you are and you just get on with it.
People talk about how difficult parenthood is, and it definitely can be, but it’s sort of all I’ve known. For example, I don’t know what it’s like to not have to juggle working full time with a child, etc. Nothing has been a shock to the system because I just had to build everything from scratch around being a mum.
In work I hear people with much more money than me worrying about the impact of maternity leave on their finances and having to cut back. While expecting my second child I just shrug at it, I don’t see the problem as I’ve always had to prioritise that my disposable income goes towards my child (and child to be) anyway and I’m happy to go without until I’m back in work.
I suppose my experience as I’ve described it could be interpreted in a positive or negative light depending on your own personality and life experiences. But personally, I’m content.