Is it fair that I bring a baby into the world?

Well, like you said, you first need to be finacally stable and you need to have a house and husband. but if you really want kids, then i think that you should really have some. just move to a different house with your spouse and (as hard as it may be) forget about your dad's side of the family, and keep in touch with your mom's side. i know that if you have kids, someone will be there for you. good luck. :)