fertility

Happy New Years ladies! Ok so I've been with my man for about a year. We love each other, have the typical relationship ups and downs, and of course have discussed our future. We're both pretty young and have made the habit of not using protection I'm also not on any form of birth control. Sounds crazy but we're not trying to have children right now so the risky sex is probably a terrible idea right. To get to the point, we've had unprotected sex for a year and I have not gotten pregnant. Is this a sign I shouldn't have a baby by this guy? Is it fertility issues? Him or me? Luck? Has any other ladies experienced the same thing? Also I don't have money for expensive doctor visits. Thoughts?