While I haven't been in your situation, I have friends who have. I asked one of them once, "How did you manage when Makalya was born?" Her response was "I honestly don't know how we did it, but we made it work. When you have a baby, you just make it work. You might not know how, but you just find a way and do it."
DH and I started trying, even though it wasn't the ideal time for us. I would love to be a stay-at-home mom, but right now, DH is in grad school and not making any money, so I have to keep working so we can afford the baby and make sure it has health care and other benefits. And we have no *clue* how we're going to afford child care. But despite all this, I am 100% sure that we will make it work, and that the baby will be LOVED more than any baby could be, and that the hardships that we will have will be miniscule compared to the bundle of joy in our arms. And somehow, just hope that's enough.