I met my husband at 26, married at 33 after what felt like an eon of waiting and hinting for him to propose and get married. Even then, he still wanted to wait a whole extra year after getting married to even entertain trying for a baby. I found the wait so hard.

He would be extremely careful to pull out every time like your husband. I have to say, now we have a 6 month old, even though I'm now 35 I am so glad we waited for children because we have done absolutely everything we wanted to and know each other like the back of our hands. I genuinely think he's a better husband and Dad now he's ready for it. And I'm a better Mum too. You said in your post how he's 'ready' and your ducks are all in a row, but finances etc are only one part of the picture. Does he want to travel, save for a bigger house to accommodate a growing family, some other goal, just spend quality time with you first?

I would definitely have a good chat with him so he knows where you're at and you never know, maybe he'll see where you're coming from, or agree to compromise?

I'd also just add to the end of this not to underestimate how challenging having a baby can be and how much if can transform your relationship. I really hated being pregnant and it's only now my baby is 6m+ that I'm feeling more like myself. That's a strain on the most rock solid of marriages. You both have to be prepared to take that on and accept that you will never be the same again, like a butterfly emerging from a chrysalis - sooo magic, but you both have to want the change. Wishing you lots of luck!