You should realize that there is no financially correct time to have another child. If you want another one, start working on it. Things will work out somehow. Who said you have to have a house before you start having children? We have a house and 3 children. I’m more broke than I’ve ever been. Lot’s of debt. However, I wouldn’t change it for a minute.
I can relate to your husband’s feelings. So many people tell you that in order to be happy you have to put off children till you’re older and financially secure. If you suggest otherwise, they tell you that you are not being responsible.
It’s hard to trust that things will work out. It’s my greatest struggle to just let go and let GOD be in control of my life.
I’ll pray for you.