Husband doesn’t want another right now

So we have been trying 6 months with no luck. Now he tells me he doesn’t want another or at least wait 3 more years we have no money right now. I thought there was never a good time to have a baby? I’m torn because my first is soon to be 3 and I wanted them close in age :( I know it takes 2 to agree on a baby! Is it always about money?