It's our lives...

My husband and I were married on January 21, 2011. Before we got engaged everyone always asked "when are you going to get married?" We have been married for about 42 days which is less than 2 months. Yes, we were together for a little over 2 years before we got married BUT still we have been married for less than 2 months. Ever since January 21 I have been asked "when are you going to have a baby?" or been told "maybe by this time next year you'll have a baby." Well I say "no. Maybe not" everytime yet people still ask. The real answer is I'm not ready. I'm 23 years old. I haven't gone back to school. We do not own a home. I'm still TOO young. I love kids, everyone that knows me knows that but I am not ready for any. I'm sorry and I hate to hurt anyones feelings that want us to have one so bad but we are not. This is our own life and our own family now so that choice is OURS! It makes me feel like a horrible person when someone ask me and I say I'm not ready. I'm not a selfish person I just feel like I shouldn't rush into it because I don't think it's the right time. Does this make me a bad person?