im 21 should i fight having a baby?

my fiance and i want to have a child sooner than later to avoid not being around as long as we can, we plan to get more stable and even get better jobs to support a better/easier life. we want to have a baby but i feel like we might be a little too young? I've known many people younger than me who've accidentally gotten pregnant, and im only 20. is this a bad idea once things start pulling together for us? we plan to marry in october maybe this next or following year.
 
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