There will always be something that could be done before you have a baby. So you want to feel prepared but know that there never really is a “perfect time” to have a baby.
There is nothing wrong with asking for help and needing a support system. Ask the grandparents for help, ask them to take siblings for sleepovers, etc.
It’s probably not a great idea to have a baby if your finances are a mess. Having a child will cost you additional expenses that might cause unnecessary stress.
If “me time” is a priority for you right now, you might want to delay your plans of having a kid. Your life will change, and you will forever want to be or need to be around your baby.
There will be a human being that solely relies on you for everything. Emotionally, it’s a lot to handle when you become a new parent in the first few weeks.