My girlfriend wants a baby but we are too young, How can I tell her no and what else should I say?

So me and my girlfriend have been together for 4 years. We are 24 years old and just yesturday she brought up "it would be so nice if we can have a babu together now". This scared me lol because we are too young to have a kid in my opinion. We are both well off and techniclally can afford for a baby but for me it's just a commitment. She's going to finsh nursing this year and she loves kids. She is proabably better than other adults with kids and she keeps talking to me about them. I plan on getting a nice car when i turn 25 and i have not told her this yet to her but it will effect the "baby talk" with her.. Again both of us are well off so with all due respect to everyones financial situation who is reading this... money is not the issue for us.

I just have a feeling if i say no to having a kid and buying a nice car instead she will get mad even leave me :( I really love her but i'am 100% not ready for a kid yet. Maybe when i turn 30 yes. How can i go about telling her no in a way she won't get mad cause sometimes if she's moody she doesn't listen at all to my side haha. Can anyone help me?

My girlfriend wants a baby but we are too young, How can I tell her no and what else should I say?
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