have always been taught the past was the past and the only thing that matters is what you are going to do in the future.
That's important -- with the baby growing inside you, you don't need extra stress chemicals floating through your system. There's enough to think about and prepare for without dwelling on regrets.
One of the things you want to think through realistically before it hits you -- a baby continually needs to be with an adult, every moment of the day. That means that if you want to work, you both will need a rotation system with hours, or need help with sitting from grandparents. Sitters are so expensive that it's unlikely you will be able to net more income than you pay out.
It will be easy to feel guilty about not being able to handle the schedule, especially when you're tired, so figure out some of it now.
Colleges have online programs now, which you're probably aware of since you've home-schooled. Go to petersons.com, or lifelonglearning.com for a great database of distance courses. I did one of my degrees with a baby on my lap... it wasn't easy at all, but the distance format really helped.
Jeff won't let me do anything anyways. I say I am thirsty and ask if I can get him something while I am going to the kitchen and he is in there before I can finish the sentence. haha! So not complaining but I told him he better save that energy for the last months of the pregnancy!
What a guy! You are so fortunate that he is so thoughtful!
Other people are concerned because they know that the stresses of life can really tear a person down... some are trying to prevent the pain of living out rough circumstances. Life continually brings situations that we never thought we'd have to handle, no matter how ambitious and conscientious we are.
It's hard to raise kids, even if you're making gobs of money and wait until you're 35.
Out of all the "do the research" situations we face in life, pregnancy is probably the least researched and the most common life-changing situation people jump into (or fall into). The choice never goes away... kids will always be there, just growing older and older.
But you're right, you need to work with what you have in front of you, and keep moving forward. You might want to look for some mother's/play groups well ahead of time (I know, it sounds silly and stodgy right now) -- it's nice to have a place to go when you feel cooped up or isolated, or the days blur from one into the other.
Expect to be tired, expect to be stretched beyond your old limits, expect unpredictable expenses... and just handle them with prayer when they come. You'll do fine.