How bad am I?

So my boyfriend/fiancé have been together for 5 years. I'm about to turn 20. I have graduated college and am a full-time nurse with a steady salary. I really want to have a child. I am going back to grad school and this will be the only time that I can have a year without school. (Therefore, my only chance to get pregnant for around 5 years.) 
My man LOVES children and I know he would be thrilled if I got pregnant. But he does not want to try to have children as it would make him feel guilty since he is not as far along in college as I am and therefore cannot provide as much as he would like to. Should I try to get pregnant? I know we will be together and more than likely will be getting married in the next 3 years. If I were to do this, he could not know about it. Does this make me a bad person? Just to summarize: myself = ❤️👶🏼❓man= 🚫💰🚫👶🏼