But recently we had another chat about when we'd like to have kids. He said that no one is ever ready and that if I were to get pregnant he would be there every step of the way and do everything in his power to be with me (we live 3 hours away from each other). Which to me is sweet, I told him I wanted kids only when I would be engaged or married, and he agreed for us to wait until we've reached that point in our relationship! But tonight I told him I'll be getting my annual Pap and that I might be getting on birth control, instead of the spermicide that I've been using in place of it (I get the worse effects from BC). And he said something along the lines of "or you could just not use birth control or spermicide at all", which took me aback for a moment and I laughed and he laughed and said he was joking... but it felt almost genuine, then he continued into saying he likes to watch me squirm when it comes to that. I love him to the moon and back but I'm worried that with us being a fairly new couple and a couple that is serious about our future together, that a baby at this time might not be the best idea. Especially with us not living together and not having decent jobs to support the responsibility of a baby. 

I'm not sure if this is even a decent question to ask, but am I overthinking all of this? Am I just too caught up into the "ideal situation" to have a baby? Or is there a bigger picture to all of this? 

Please keep the answers civil and try to keep them constructive.

I'm sure he and I will have many more conversations about this topic, I'm just curious to how others think...