When is it the right time?

A little background into my life I have always wanted to be a mom. My own mother told me the other day that when I was young I would recite to her "I will be a mommy like you one day" I would say this while clutching my beloved water baby, Emma.  As I grew up my goal was to have my first child by the time I was 25 years olds. (currently 24)

Yesterday I had a serious converstation with my mother, I told her that my husband and I (together 6 years, married 2 years) have decided to start trying in Jan 2015.  She was supportive in our decision however in her opinion I am too young as she did not have her first child (my older sister) until she was 28.  Parts of me agree with her opinion that I am too young because you loose lots of freedom once making a commitment to taking care of a little one but the other part of me is so ready for that commitment. 

My question is, when is it the right time and how do you know if you are ready for the next step in your life?

I could always wait till I am 28 but what if something devistating happens and now I have missed my chance to be a mother. Will I die satisfied, the answer is no. This is something I have always wanted. My title is wife, mother, daughter, sister. Those are my priorities.