His 5year plan is my now plan 😓

He wants to wait to start a family.. I just turned 20 in January and we have been together for 3years. I want to start our family now, there really is no reason not to now, but he says I work too much and he would be stuck raising the child by himself and having to go to school we would have to have a babysitter.. Which I understand but I could always get a part time job so one of us could always be with the baby.. But that's not really an option for him.. So I guess we have to wait.. And he doesn't want to have sex with me unless we have condoms.. Which sucks because we had a pretty good and nightly sex life up until now.. I can't force him into having a baby with me now if he doesn't want to I don't want him to regret our child if I told him I was upset about not trying now.. How can I just get over it and wait 5years for a family of our own?😰