How did your partner handle TTC? / My SO is letting fear get in the way

I have tried my best to be patient, we have the conversation of when we will start trying every few months. And every month he needs more time. I completely respect him and always will. I'll NEVER push him to do something he isn't comfortable with ....but this is just getting annoying. It's been over a year now that he keeps saying "we'll start next month" every month. We just had another conversation yesterday because i am breaking on the inside seeing everyone around me having babies. He told me the ONLY thing stopping him is money. He told me

"What if we can't afford all the activities they want to do or college" and I told him it's absolutely ridiculous that he's letting a college fund stop him from having kids. He wants to be a dad so bad too, but he's afraid be "can't afford it" which is annoying because we make a good living right now. And when i told him his response was "anything can happen what if one day our jobs shut down" and I'm just so frustrated. He always has a reason not to. You can't let the fear of the unknown stop you. But he doesn't understand that. Than the next day he'll talk about what our kids will look like and how he can't wait to be a dad. I don't think he understands how much it kills me inside to have these conversations and then him turn around and say no we can't start trying yet. How do i cope with this? It's getting to the point where i don't want to wait around years and years. I love him but my heart is breaking. I'll never leave him but I'm afraid I'm going to be stuck unhappy for a while.

I've done everything right, I've saved up, we have a house, reliable cars, we talk about kids all the time and how we both feel it's our purpose here to nurture and raise children. How can i not feel angry while I'm waiting for him to be ready? Talking doesn't help, i swear I've tried everything he literally won't change his mind, and he's the type to let his feelings ruin a situation and then regret it instead of taking a leap of faith.

I know i probably sounds like a terrible person, seeing everyone, literally, everyone around me have babies hurts so bad