AIO for thinking my girlfriend is “insane” for her views on motherhood

We are both in our 20s and not financially stable. One day I might want to have kids but definitely not before I feel I can give that a kid a good life

She seems desperate to be a mother, almost to the point of being selfish. She says she’s always wanted to be a mom and despite living pay check to paycheck, having a lot of unresolved trauma that significantly affects her today, and having a slew of unaddressed health problems (due to finances) she says she would have a kid right now if I did too

My parents were teens. Because this I had to live in friends and family’s homes, stay in shelters, and just generally had a childhood that could have been more healthy if my parents made better decisions. I wouldn’t bring my kids into life like that

As far as reasons for her “desperation” she says:

• “I don’t want to be an old mom” which she thinks is 30 and up

• she’s scared of being or possibly becoming infertile so she wants to do it before it’s too late

• even if shes not ready for the responsibility she says she’ll “get government assistance, lean on friends and family, and figure it out”

Thoughts are thoughts, views are views and so on. I guess I’m asking

Am I overreacting for thinking she’s insane for this or is this kind of thinking genuinely insane?