Feeling sad

I am so ready to have a baby. But my husband is not. I am working on my masters and he says we are not where HE wants us to be financialy. He also has a small health issue he wants to fix before we try. (But he won't even go to the doc) (it's his back) I feel like I could handle a baby and school. I also feel like we are great financially. And yes people tell me all the time you are never ready and never have enough money. Tell him that and make him listen ( :
I do not want to push him, but my body  and heart is saying lets go!
I'm ovulating this week and it is just making me sad. It's a tough spot to be in. I'm 27, and have been married for two years...time is ticking