To postpone TTC or not?

I will be starting a new job next month... if we conceive within the first 3 months I will not get full maternity pay for 12 weeks after baby.... if we wait who is to say it doesnt take another year to conceive?... we have been TTC # 2 for over a year now... so fo we stop trying or just go for it and say who cares about the extra money...

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