[Matty]

Not being financially stable is the key factor in this, don't worry about you feeling you want one. I know many girls that have said exactly the same thing, but imagine you and your boyfriend having one now. Ruins any future prospects for him if he's college with good aspirations as he'd have to drop out and get a job to support the baby and if you yourselrf are in college then you'd most likely have to drop out to look after the baby. Your parents would probably also have to financially support baby as well so it would become a burden on them. If you are desperate to have one, nobody can stop you just think about it logically first.