Hey hun.

I was like you at the same age. You're not crazy at all. Some of us just have a very strong maternal desire. My mum said to me just before my son was born that when I was little I'd always say when I grow up I wanted to ne a mother

I don't know your circumstances but I will say this. I forced myself to wait until I was married and had some money under my belt. Ended up getting married at 20, then started TTC just before I was 22. We decided to wait until DH's income would be sufficient to support us as I wanted to stay home. We both worked full time and saved a big enough deposit to buy a house. I might add DH is 7 years older than me so is established in his career so money wise he puts us ahead of someone just finishing study and going into work. Where I'm getting at, is having a child is freaking hard work and will test your relationship. You don't want the financial strain in your family, as much as people will say money doesn't matter, it sadly does and can seriously affect relationships.

ETA - age is just a number. Where you are at in life should be a deciding factor.