How long is too long to wait?

I am 27 and my bf 29, I really want to have a baby, but he's always concernes about the finances.

Like I work and bring in what I think is enough, plus he gets odsp and works during construction seasons so technically in the time it takes for a child to make it's appearance we could "middle classly" afford to grow and, love and support a child in my opinion. I've been with him for close to 9 years and feel we would be great parents and would get through anything if we set our mind hearts and soul to it.

I just feel like it'll never happen if we continue to "wait"... Sigh.. He loves me but I want it to be a unanimous decision but realistically I've wanted a child since year 2 with him... So I think I've been patient enough so far.