At 28, I thought I was ready but we re-evaluated our budget, etc and waited. BEST decision I have ever made in my mind was waiting! We are just recently pregnant at almost 32 and are so better prepared mentally for it and we are the last of our couple friends to have kids and have felt the pressure for awhile.
Yes, we want kids. DH more than I, at this point though. Intellectually, I know I want children some day but I still feel young and not quite "ready". But here we go anyway...
Why would you start TTC if you're not ready?
I'm 28 and I feel the same way as you. We'll probably start in a year if I'm ready.
Don't TTC unless you're both on board.
And if you aren´t ready, what is the rush? You have lots of time.