if I could do it right out of high school, like 7 months after graduation, and 19 yrs old. You can do it now. Haters will hate. I am still with the father of my first child, we have been married for 11 yrs and have 2 other children. Things were tough for us and still are at times. You sound like one of the most prepare people I know. Having a child does change your life, but it is n the best way possible. Enjoy your pregnancy, and your new family.