Ugh I'm having a bad day.

So SO thinks that we will never be financially ready for a baby, doesn't want to try but will gladly accept if I end up preggers. We've had talks in the past and a family is definitely what we want soon, but to avoid stressing him out I've stopped talking about it to him and have switched to talking to my girlfriends about it. However I get nothing but negativity from them, I want to have a baby, I know that I have a lot of life left to live but I'm 22 and want to spend the rest of my life happily with a family. I'm just tired of hearing that I don't really want these things, that it is all a phase, and that I'm not financially ready. Has anyone else had to deal with this? And if so what did you do and what should I do?