Was it planned? Did you feel your marriage had enough of a foundation built once baby arrived? Would you do it all over again, or would you wait?

DH and I go back and forth on if we want to start trying this Christmas. We got married in March. Prior to marriage we dated for two years, and lived together for 1.5yrs. Sometimes, we just want that year to ourselves (esp b/c we're moving to a new city next month) and other times that baby fever is HIGH even for DH!!! I'm still looking for a job- is it bad for a new hire to get pregnant soon after being employed assuming I get a job this fall AND fall pregnant quickly thereafter? We don't have much in savings, have tons of school loans, and can't buy a home for a while, but we realize if we wait for all those things it'll never happen!