No desire/scaried to be pregnant

Not to sound rude but I get scared when I read how women are wanting to have a baby in hopes of making their marriage better, shouldn't any problems be talked out not possibly bringing in another one. I've been on skyla(iud) for almost a year, I believe, and I still ask my fiancé to wear a condom out of sheer fear that we will make a baby, I'm only 20 and he's just about to be 21 we are no where near ready for a kid we still have moments where our friends and family tell us we're acting like kids.