I feel like I don’t deserve a baby

My husband and I are poor. Like dirt poor, bills unpaid, credit card and student loan payments unpaid poor. I work as much as I can but it isn’t enough, and he doesn’t feel the need to put in more than the bare minimum effort. I want a baby desperately, he is indifferent about having a baby, and I feel like I’ll never be able to even afford a baby on the random chance I had one. Man I am miserable. Sorry, just had to vent.