Baby fever.

My husband and I are coming up on our one year anniversary and I have had baby fever for the past six months. We are only 20, but we've dated since we were 14 and I'm ready for a baby. Every time it comes up he tells me that we aren't financially were he wants to be and that he wants to wait 5 more years.   The night almost always ends in me crying; I just feel like five years is going to come and he is still gonna reaching for some other goal. What should I do? I can't stop myself from feeling upset, but he is 100% against a baby for the next five years.  I should also note that he is part of the military so a steady  income isn't an issue.