Go for it, or no?

So, I've been with my husband for 5 years, but we just got married 3 months ago. We always said we wanted to wait (at least a year) to have kids, but recently we have been talking and are iffy on kids now or later. We have weighed out our options and current finances, pros and cons, and such, so it wouldn't be a spur of the moment thing. We aren't actively trying, but we aren't preventing pregnancy either. Anyway, the question is, should we go all in trying, wait, or keep our current arrangement of what happens, happens?

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