infertile

So my husband and I have been married for almost 10 months now. I have not been on any kind of contraceptive, and we don't use condoms. I want to try for a baby desperately, but he's not quite ready yet (he graduates from college in May, and gets a job with benefits). We use the pullout method most of the time, but I'm just thinking statistically I should have gotten pregnant "accidentally" by now. I have this huge fear that once we actually do start trying, we're going to discover infertility issues. He says to not worry until there is something to worry about, but all I've ever wanted to be was a mommy. We already want to adopt in addition to having children biologically, but I desperately want to carry a child myself at least once.