That is one deep thing to think about. In a relantionship both opinions matter. Your wife knows your problems better than most people and you know hers. You need to work together in this. If you don't feel ready, tell her that. If you're afraid, tell her that too. She needs to know. There's no turning back, once you have the baby and there's no one in the hole wide world that can help you guys raise your child. Practical advices are always welcomed, but you'll face daily problems no one will tell your about. You'll be the ones having to sort them out. As time goes by, you'll learn, everyone does. My advice(I'm not a dad yet) is to take things one at a time, figure them out and so on and like I said, your wife will be your best friend in this. Anyway, good luck with what ever the future gives ya.