Not only is having a baby early expensive( covering the needs of the baby like diapers, milk, and wipes), but it affects your whole life. What are you going to do about school, continuing to get a good education so you can support your family? What about getting bullied due to your early expectance? How is your family going to react to you having a baby? I have one word that will prevent any of these questions from occuring... WAITING!!
P.S. if you can't wait use protection