When you begin menstruating, you're body is still growing, so it can damage your pelvic floor big time. Once you stop growing, it's relatively safe to have a baby (physically speaking). The younger you are (after that), the healthier the baby will be (generally) However, psychologically speaking, no matter what age you are, you are NOT prepared for having a baby, no matter what your age. (This bears repeating)
And you don't need money. You need a freaking support network like Google.