need some advice.

Okay so I'm 21 going to be 22 this year. I'm really in love with the guy I with now, but I know financially this is t the best time for us- but I want a child so badly. What do I do?? I want a kid young for many reasons.... and it's killing me I don't have a child yet. Do I talk to him and tell him what I want? Or should I just get over it and wait?? It's just making me so sad I don't have one yet :(