Sad and frustrated

I'm 22 and I just want a baby so badly. My boyfriend says that we are too young and don't have enough money and I would never trap him into it, but it just takes over my mind. I have baby brain and I can't help it it makes me almost depressed and I get so irritable toward him. I feel terrible about it and I just don't want to wait the 3-5 years like he wants but I love him so much. I just wanted to shar thank you to anyone who read.