My fiance wants a baby sooo bad... lol but im scared.

So i'm in a long distance relationship with my fiance and we both dont really have a lot of family, so hes been talking about a baby like since he met me a year ago. I come to visit him every single month in the Cayman Islands (yesss, its like paradise here ) and we decided on leaving the island this year to start fresh in Florida... I wanted to wait for us to get settled first and married but im currently here visiting him for 3 weeks and im ovulating this week and Im pretttttyyyy sure im gonna be pregnant soon cuz he keeps not pullin out and I dont believe in birth control so I never took any in my life, and never been pregnant before. . . I'm quite terrified of the whole pregnancy process, giving birth (pains) and the fact that a baby is a forever life choice. I also fear breaking up cuz i see so many single moms (even tho our relationship is super healthy) and I fear not bein able to provide financially.