Hiya all. So my girlfriend and I have been together for quite some time now. (Going on close to 4 years) she's finishing up her degree and I'm working full time. We agreed to start trying after our engagement. However, lately she's been on a kick to have sex without a condom. (She used to have an IUD). I really don't think we're in the right spot to have a baby right now and have told her so when she asks. I guess I would just like a female perspective on this, any view would be appreciated. Thank you!

Edit:thank you all for the wisdom and guidance. I will talk with her tonight about it as gently as I can. For those who asked, I was going to propose to her during her post graduation trip. Thank you again!