Hi Lucy ...

Great name (same as my niece) =)

I think there is something that needs to be said and that is ...

"There is never a right time to have a baby" (this should be written up in lights everywhere).

There are always money problems, issues with work or something else that should seem to take priority. I wish that I had been more insistent with my husband when we first married. I was 32 then and at least I might have been in with a chance. Now I'm 37 and I think I will be very lucky to get one baby (we've been trying for three years now). We still don't own a house. I'm the major breadwinner in the family and when I'm not working, we will have money issues but this situation is not going to change. I am out of time and I have no choice.

This might be putting too personal a slant on this (I notice the other respondents have been much more balanced) =) but I never want anyone else to go through this grief.

You are still young though which is a distinct advantage. I have hope that you and your DH can negotiate something you are both happy with and that you won't have to wait eight years to make your dreams come true.