Help! I want to have a baby now!

My husband and I have only been married for about 3 months, but I want a little one so badly. He's about 18 months younger than me, still in school. He wants to wait until we're more "financially stable", or we would have a baby now.. I would never do anything against his wishes. But sometimes I stare at my birth control not wanting to take it.. What do I do?