When do you know you are ready?

[Koen Ballantine]

Hi everyone, i hope you are doing very well and happy. So i am a 23 year old who has worked his butt off since 2020, i currently have 20k saved for a down payment and by the end of the year i hope to have a maxed out emergency fund maxed out and potentially 30k for my house fund. Now heres my question, how do i know when I'm ready? In a lot of ways i still feel 18 and i still have so much maturing to do, however i do feel mature in many aspects, i have a stable career, i pay all my bills, i have a car bill but it will be paid off ASAP (less then 300 a month) and no bad habits/addictions. I feel like i am ready but i feel theres times im being too cautious and times im being too fast, any advice? Thank you.