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Is this a good time to start a family?

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I am a 29 yr old psychology student and my boyfriend is a 31 yr old law student. We don't have lots of money, actually we live off of student loans. We rent our home and pay all the normal bills. We have known each other for 15 years and have bee dating about 4.5 years. I have a medical issue with my reproductive system (scar tissue in my fallopian tube) and have had two tubal pregnancies. My doctor took out my right tube and reconstructed my left one. He advised me (after testing to see if the reconstructed tube was clear) to have children before I was 30 because the scar tissue would eventually grow back. It has been 6 years since my re-constructive surgery and we are having problems deciding whether to have a child or not. My issue is that I may not be able to have kids or it will be dangerous for me to have children if we wait much longer and his view is that we are not financially secure enough to start a family. We both want to have children with each other but every time he says "yes let's do it" he backs out at the last minute. I really want to have kids, but it is evident that he is not ready because "it would take time away from law school and our financial situation" but I really think that we could make it work. what should I do?