My time is ticking and i’m so sad?

hi everyone. my boyfriend and i have been together for 8 years. we recently got engaged and we are so happy! he is 30 and i’m 31. we still live with our parents bc we are both still in school. he’s in engineering and I am doing ultrasound technician. we both finish in the year 2024. The reason why I said I’m sad is because by the time 2024 hits I’ll be 33 and I feel that my time is running out to have a baby. People don’t recommend having a baby if you’re in medical school for obvious reasons because it’s hard I won’t have money to take care of the baby etc. Well I just talk to but I’m scared to wait to have a baby after I graduate. and it won’t come on time as I hope. We don’t make money right now, so there’s no way to have one now. I was pregnant though, and the baby were supposed to be born had a miscarriage. My fiancé and I really want to have a baby. I want to wait until we finish school so we can support the baby and I’ll be stressed with money and school but the same time I don’t want to wait and he doesn’t wanna wait either. I don’t know what to do. is my time ticking to have a baby?
My time is ticking and i’m so sad?
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