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I want to have children, but cannot afford them for an undetermined amount of time. Fingers crossed that we'll have enough money someday!
Our experience is that basically the only really expensive thing is childcare. Are you eligible for subsidized, or free, care (or have trustworthy and willing relatives)?
As for gear, babies don't need much. But for what they do need, reach out to friends, neighbors, and family! We're fortunate that we could have afforded everything new, but we really only bought a few things because friends and randos alike gave us so much free kid stuff (we bought a nice stroller, a baby basket, and an IKEA crib
basically everything else was a hand-me-down). Join local "buy nothing" groups, or parent groups (sadly they're usually WhatsApp, but whatever). Most people hate throwing away stuff, and would rather it go to a good home.
Look at programs for subsidized/free necessities like diapers. There are lots of resources out there, especially in cities.
As everyone else said, no one feels ready. We certainly didn't!