I would love to have a baby

I’m 26f and my boyfriend 25m have known each other for 7 years. His the best partner and possibly dad. In the beginning I wasn’t so sure about having a baby but now it’s all I can think about. I know it’s not the right time financially we make decent money together but I just don’t think it would cover the cost of the babies expenses. I have health insurance and a stable job. So many factors that aren’t saying go for it like me finishing school but I deeply want to have a baby and give my baby the best I could possibly give. I’m hoping to be in a better situation at the end of the year but damn does my body scream just have one now.