Want a baby but can not afford childcare

So my husband and I have been trying since July. Let start by saying we have great paying jobs but we have student loans and personal loan debt...there would be no way we could afford daycare and we would definitely not get assistance. Yes we have that much debt.

I am the only child of divorced parents who still work and probably will until they no longer can. My husbands mother is retired but she has a side job. She has told us oh yea I would definitely watch the baby but not the days I need to do my side job for extra income.

I just get so scared that we just won’t have the money to have a baby watched while I work. It makes me wonder if we should stop trying and just live life together without children. And yes my husband and I have talked about this, even though he would love to have a baby its not a deal breaker if we did not have any. It makes me wonder if we’re just not meant to have kids. I know I am worrying about something many people worry about but I literally have no family to rely on to watch a baby during work hours. It’s definitely something that makes me question if this is the rsn we have not conceived yet, we’re just not meant to be parents?

Update:

I did talk to my mom and she agreed if I ever had a baby she could do 2 days a week and my husbands mom would have to pick up the other days. My mom is only 53 so she works as well but owns her own business. But my husbands mother is in her 70s who is a cancer survivor...makes me worried it could come back...I know I know I am just worrying too much!