I dont come from your perspective.. But this may help.
I am 21, I live with my partner, we plan on getting married, we have steady jobs, our own house and are secure. I fell pregnant last year, this time last year and lost it at 7.5 weeks. It was a accident and not planned but once this happened and I had no choice of it ending I wanted another badly. I was very depressed for a long time and only now woudl I say over it.
I wanted us to try, he said he wasnt ready, I shouted as I thought at 31 years old you should be.
I have recently started a new job as a nanny, I look after a 4 yr old with cerabal paulsy and her 2 and a half ye old brother. They shatter me. There is no way on earth I am ready mentally or physically for kids now. I love my job and would not change it but when 6:30 comes.. I am outta there!
Looking after kids was nothign like I imagined, these kids love me, the hug me and are all over me so I have some perspective of the good sides to it, but they are also naughty, dont listen and have tantrums. I am a mature 21 yr old, I dont act my age and I really dont think that I could handle kids at my age now.
I oringnally wanted loads of kids, 4 I come from a large family and liked growing up with lots of brothers and sisters and wanted that joy for my kids, but now I think 1 or 2 is enough.. With abotu 5 years bwtween them so they are able to understand why you cant give them all the attention in the world and a new baby takes it away from them.
I was talking with my partner last night about it telling him that the itch had gone and that this job was hte best thing that could have happened to me, its straightened my head out big time.
If you still want a baby, remember, its not just cooing and cuddles, its up all night, its worrying whn they are sick, its shouting at them when they are naughty, its being disspointed when they lie to you, there are so many ups and wonderful reasons and joy that they bring but dont forget that its not always like that.
Once yoru child is created and with you in yoru arms there is no going back, you cant return them, and by then if you finally realise it. Its too late.
Dont jump in to something so soon when if you waited you would have more experiance in life and in turn have more to tell your kids, stories of when mummy was younger and got up to no good.
I am not saying thoes who have had kids at 14/15/16 have thrown their lives away, was their choice, but if you still have one, wait.
Womens life expantacy are 80 odd, menopause kicks in around 40ish.. You have another 20 years to go!
Best of luck kiddo