Advice

So my husband and I have been together for some time now , dated for four years got married did everything right. I want to start trying for a baby. I've had the fever for about three years now & since we're married have a home etc I feel like it's time. Last night he told me we could start trying! I was ecstatic! This afternoon he came in and told me he didn't think we should...... Because we aren't "finically stable" yet..... I am frustrated because I don't understand how much more stable we could be. I made the remark that " I guess we will never have kids then. Because we will never be stable enough," . He simply told me to get over the baby fever and move on......... I'm hurt and frustrated. I don't understand. I'm 24 years old, so I know I maybe young but good golly , 16 year olds  can pop em out and still live why can't we? Am I over reacting? We've had this fight a few times now. Sorry for my rant , advice is welcomed. Please don't be rude. Thanks .