Well, if he wants to wait for stable $$$ and he is not using a condom, he can't blame only you when the pregnancy comes back positive. I am not saying get pregnant, but if he won't do his part in preventing things can happen.
What is an old mom anymore? I guess people will say I am old, I am 32.
Most of my friends have kids the same age as my three year old and are still getting pregnant. It is nice to have them all the same age. Just because your friends are getting pregnant and having kids now doesn't mean they won't be pregnant with their second or third one when you are pregnant. A good friend on mine is due three weeks before me and she started a lot earlier. She has a 7 year old child.
Oh, buying a house is a huge fertility pill. We bought our first house in az and then a few months later - positive pregnancy. That happened to three other friends of mine. House, baby....
It does sound like you both should do a little more talking. Careful with the old mom thing.....Half jokingly....Some of us on here can be considered older moms but we are still young!