I would wait a few years if I had the choice. I'm 19 and even though I love my little girl with all my heart if there was a way to have HER a few years down the line, I would do it. You say you prefer staying to to going out, but you will have to go out anyways, only to the park and grocery store and doctor, etc. and it's so tough, I can't even grab a cup of coffee anymore unless my hubby is with me to stay with the baby (because these days you can't just leave them in locked car just to grab a coffee). Just to get out the door you have to entertain them long enough to get dressed and pack your diaper bag, feed them, change diaper (while they are squirming around kicking and screaming), dress them, (more struggling), carry the baby +your bag+whatever else you need to the car, fight world war three getting them buckled in, run back in for whatever you forgot, then on the drive there they are screaming and crying most of the way because they re hungry or wet and just don't like being in the car seat. It's hard work, and don't get me started on how much it sucks to get up so early every morning, after another broken up night of sleep. I happen to be very lucky because I have a wonderful hubby who is very involved with taking care of Kathryn (when he's not out at work), but not every man take most the "night shifts". Also money goes fast, very very fast. And there is lots of stuff I didn't get to do that wont happen for a long time now, for example me and my hubby didn't get a honeymoon since Kathryn was only a month old when we got married, and I couldn't afford a real wedding dress either. In fact I've never been on any vacation with my husband. I also had to leave school my first year of college, and I was going to art school, which I've gotten very rusty. My art sucks now since I have no time to do anything. And finally its VERY lonely. None of my friends are around except when they have breaks, and even when I do see them all they talk about is college, I have nothing in common with them anymore, and no one around here is my age and a mom.
Sorry if I sound pushy, and it's your choice. If you want a baby and think your ready then go for it. But please really really think about it first. Of course I wouldn't change a thing, my 'lil girl is so wonderful and I love her with all my heart, but it IS a challenge.