..let's be real.. you are never "ready" :)
To be honest.. you can never be 100% prepared to bring a baby home... whether it be financially, emotionally, etc... you won't ever be 100% there.. and that's okay! My husband and I finally realized this early last year... here I was trying to prepare as much as I could, financially, work wise, mentally, emotionally.. trying to perfect all aspects of my life.. until I realized.. if I keep trying to do this and THEN want a baby.. it might never ever happen! Then and only then I was finally open to letting a baby come into our lives :)
I would say if you are in a happy, loving and long term relationship with your partner.. you are sound in many aspects of your lives.. to some extent money wise and of course emotionally... and you want a baby.. welcome them with open arms :)
Babies are a blessing. That's all there is to it!