Do you ever feel like you and your SO are on two separate pages?!

My boyfriend and I have been together now for 3 years next month and I want to start moving forward with our relationship. But we have had some drastic changes to our financial situation as my boyfriend has recently lost his job and it struggling. To find another which truly in lack of a better wording freaking sucks!! I have talked to him about how I feel about wanting to get married and have a child ( as we have decided we will only ever have one) and he mentioned he feels we may never be able to afford a child or a proper wedding but I am 28 this year and feeling like I’m ready! I feel guilty for want to do these things even though I know he’s struggling I just don’t honestly feel like there is ever a perfect time or perfect financial amount of money to have a baby! I worry that is not being on the same page is a worry I should have does anyone else ever feel like there SO and then aren’t on the same page??