Can't sleep :(

I woke up almost 2 hours ago and can't get back to sleep. I can't get rid of the feeling that my husband and I should wait longer before we try to have a child. I have a son from a previous marriage, and he is an emotion, financial, and time drain. We both have good jobs, but I can't help but feel like we would be broke all the time if we have another now. We have been trying off and on since May, and I was 11 weeks and had a miscarriage. Maybe that was a sign. It worries me even more that I am 6 days late, but still testing negative. Just needed to get this off of my chest.