What's the best age to have a baby? And what do I need to prepare for the pregnancy?

I'm 20 y.o this year and I'm planning to have a baby in 1-2 years. Is it too early? I hope to find out the relevant costs for pregnancy and the preparations for the pregnancy process.

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Personally I feel there's no proper way to be mentally or physically prepared . Just go with the flow but best to have a child before turning 30.