Convincing Hubby to TTC vs. waiting

We've been married 5 years. I have a stable job but he is going back to school. He wants to wait to TTC another 6 months so we can pay off more credit card debt before having a baby. I see the logic here, but part of me is like, we've been married 5 years my baby clock is ticking and it could take 6mo to a year to get Prego anyway so why can't I just go off the pill now?? Am I being selfish or stupid about this?