Help my husband is blaming me for not having a baby?

I think you sound old enough to have a kid and from what you say about your husband a kid is definitely wanted and will be loved. You might regret missing the opportunity later. People are never ready and usually say lets wait until we have this or have that but most of the world probably try for a family with far less than you have. I just think people rely too much on the future, when in actual fact you don't know if the future will be a better or a worse time.