In which I am once again not sleeping

Reason for not sleeping:

Worry about money, work, school, not sleeping

Other things constantly on my mind:

Baby

On 01/12/13, My hubby held up to his end of the baby discussion and finally told me how he feels about having a baby. Discussing this topic has been and continues to be an incredibly hard. Since I like to acoid situations that make me feel vulnerable (unless I have a glass of wine and then tell everyone my secrets), and this subject makes me feel very vulnerable, it continues to be rough going. There's a whole lot of back story on why I find it hard to talk about it, but I'm sure I'll blather about it some other time.

During our discussion, he admitted that he would like to have a kid (or two). This is a huge change for both of us as we used to believe that we would never ever have children. Then I hit 31. Need I say more?
But he doesn't feel that he is ready for it, citing his selfishness and desire to have a better position at work before it happens.
My "plan" centers around 02/15/13. That is the day that I am getting my IUD out. I'm equal parts elated and terrified. After that, I just don't want to use protection and see what happens. I don't want to wait, I'm too scared to try to plan the perfect time and then find out that I waited too long. I feel that if fate decides, then everything will work out as it should. This calms me down, especially since I will be working on my MBA for roughly the next 18 months.
The whole concept and process just seems so overwhelming. I don't feel like I can talk to my family, I know that they are not going to support the idea of me having kids, or at least right now. At best the would judge me for this decision, and worst they would berate me and tell me how stupid it is to do when it's not everyone else's idea of the perfect time for me to actually have a kid. It makes me sad. So I want to be able to talk to my husband about it, but he's in what I am assuming is the "I'm freaked out so I'm going to play a lot of video games" mode right now.
Well, I'm going to try to get some sleep since it's 1am and I need to be up at 6.
Wish me luck!