I am not ready for a baby..

I have a lot I need to do with my life. I literally have nothing figured out right now, I know I need to get so much done before having a baby. But for some stupid reason I have been trying to get pregnant for quite awhile now. my boyfriend and I both.. takes two to tango. We talk a lot about having kids and being together and what not but neither of us are ready. I really want to have kids though. We're both stable enough just not ready yet! And we both know it yet still try.. our relationship is great but sometimes I am worried a void is being filled while we have sex, make love and TTC I don't know what to do. It breaks my heart a little to have to stop doing that.. How can I just strengthen myself to work harder and get where I need to be before wanting him to impregnate me

UPDATE; you guys say birth control, I always told myself I wouldn't use it after a few years back when I was a young teen and it didn't work with me. I just feel like it makes your periods less natural and I originally got on it for menstrual pains but it never really helped. But if I was to choose birth control again what's the best one to choose? I'm not interested in the pill.. I am not interested in IUD or bar. I just don't feel comfortable with birth control for some reason & condoms irritate me and make me uncomfortable that way also so we don't use them. he used to pull out.. now he doesn't and I don't stop him.