I actually feel exactly the same as you do. I am 28 and a lot of my friends (including my two best friends) are currently pregnant. I want to enjoy our marriagfe but its hard with babies literally all around us. I think I have like 8 pregnant friends right now..so its hard to ignore.
I am NOT ready to have a child. I want to be settled into a home that we purchase and financially stable. My husband is back in school for accounting...so I want to wait until he has a steady job making $ so we can afford to have a child.
But at the same time I am worried about concieving. My DH had been tested and has a low count ofr his little men. I am also about 50 lbs overweight now because of a medication so I have to lose that weight before I can get pregnant. This coupled with being on the pill (although they havent found a connection with this and conception issues) for over 10 years, makes me leery that we will have trouble concieving. my mom also had trouble.
I'm worried if I wait until I am 30 or 32 and it takes me a few years to get pregnant that I will be stuggling to deal with that admist my friends over abundance with children. But I have also come to the realization that i am OK with adopting...so in that case, I think its something you have to think about. If you have issues concieving its even mrore of a reason to "be prepared" things like IVF or adoption are EXPENSIVE!! So i have considered that we want to be fully financially prepared for this as well. I am kind of preparing for the worst, and hoping for the best!