I got married at 27. The bio-clock starting ticking loudly at 28. The plan was to have a baby before I hit 30. Lay-off, nervous breakdown, another lay-off and two years of my husband's unemployment and we haven't been able to start trying. When we were first married and I was laid off...it wasn't a big deal because we wanted to be married for a while first. Then, I had a nervous breakdown and couldn't work, but the clock started ticking. Steve said that when we were both working full time, we could start trying. Then he got laid off the DAY I found full-time work. HE promised that we could start trying after he found work. He now h as a full-time job, but it comes with 3 months of probation, so he said after the probation. Then last night I mentioned trying after his probation is up and his job is more secure and he added "and we save up some money in the bank." I asked him how much since this wasn't the original deal. He said he didn't know, but he wanted to feel "comfortable" with the amount. He also doesn't want to "start trying" so much as "stop trying not to." With that technique it could take a long time to get pregnant if you aren't trying to keep track of the fertile possible after all. Basically I am feeling frustrated that it is never going to happen. I am 31. I want to be relatively young when I am chasing kids around. Everyone tells me that there is never a good time or the right amount of money. I just can't convince him to take the risk. So, I want advice from parents and spouses out there. How can I handle this? How do you make it work with a limited budget? How much do you need to have in the bank for "start up" costs? Is it smart or stupid to wait until some arbitrary level of financial comfort" is reached?