Only you will know when you're ready for kids, but having said that no one is ever ready for everything a child brings. My biggest question for you is.... are you ready to put YOUR life on hold.... because your life will become solely focused on that new life. It's exhausting and dirty, but truly one of the most rewarding experiences of my life.

Financially, no one is ever ready for kids but you should be sure that you are not caring any debt, finish school, and take any trips that you just HAVE to take.

It sounds like you are really looking into this very maturely, and you'll be a wonderful parent when the time comes.