What do you think?

Okay so me and husband have been together for 3 years. Just got married this past October. And we talked about out future multiple times what we both want in life. We both wanted the same things. He has a 5yr daughter and she's amazing. I told him I wanted things in life before a certain time. He agreed. Now when it comes to having more kids it's always were not financially ready. That's all it ever is now. We both agreed 5 would be a good age for her to have a baby sibling. Everytime I bring it up it just turns into an argument about money. I keep telling him nobody is ever financially ready for a kid. It doesn't phase him at all. What are your thoughts on this?