When were you or your SO ready for a baby?

Me and my SO got together when we were really young. He's two years older than me and we soon will be together for 4 years! I love him more than anything and all I see with him is a huge future. I want kids so badly and I want him to want that too. He wants it in the future but not now. I can't stop talking about it or bringing it up! He's going through the police force and waiting to see if he passes the PEAR test,etc and before the problem was that we don't have money. He got a job and I don't. I wouldn't TTC right now because I got to get my career in order,etc but the point is that he can't get it straight. Before its when he gets into the job area and now he mightn't even be ready then. He's telling me 3-5 years and I simply can't wait that long and I've told him! He really don't understand how I feel emotionally about it all,just what I say within words. I love him and gonna say with him but it's driving me insane. I want him to want it more than anything and it's breaking my heart.. How do you handle it??