Hooray Melbo! EXACTLY what I was going to say.

DH and I knew that we wanted kids one day, but we had tentatively put some plans in place that we wanted to fulfill before we had children. Then I got pregnant unexpectedly and now have a beautiful 7 month old. Yes, it is tricky when you're not "financially stable" (ie. have a mortgage etc.) but so is life in general! You learn to adapt and cope with whatever situation you have been given. We don't own a house (or even have a mortgage) and I haven't quite finished my uni degree (2 subjects to go), but you can't sit around waiting until you have this or that ready so that you can start living! Once again, as with Melbo, I'm putting my own slant on this, but I really feel that those things shouldn't take precedence over your feelings. Provided that one of you (preferably the potential father at this stage) has a stable job, you CAN provide for your family. You find ways around things. We're actually trying for another one now, despite the fact that we're not "set up" financially.

Of course, there are lots of things to think about when deciding whether to have a bub or not. But I don't think it is imperative that you own a house, etc. before you do. My parents were never "well off" when I was young, but that isn't what I remember. I remember living in a loving family and having a wonderful childhood. I have spoken to other friends who have had a similar childhood. Isn't that more important than whether you have a lot of money or not?

Hope you and your fiance make the decision that turns out to be right for you.