I am married for past two years but the thought of having kids freaks me out. Is this normal?

Probably because you heard too many negative sides of having kids: finance, freedom, sleepless night, tantrums and etc. I never ready to have baby or become a mother until I really have one. Previously I thought I do not like children until I have my own children and amazed by myself how much I can sacrify for them (work, study, time and money).