From your posts, OP, it doesn't sound like he wants a baby at all, and he's willing to fob you off with excuses. In a year's time, there will be some new excuse. I had a good friend whose husband was like that. Kids were a dealbreaker for him, but he didn't have the guts to tell his wife that, because he knew not having them would be a dealbreaker for her. He strung her along for several years with one excuse after another, including the financial excuse.
The "wait a year and then TTC" thing only makes sense if you're anticipating your financial situation radically changing within a year, i.e. if one of you is getting a big promotion, etc.
My friend finally had it out with her husband, he finally admitted he never wanted kids, and they split up. She was already in her mid-thirties by this point, and she ended up having a baby by artificial insemination, because she didn't have a partner and she didn't want to wait any longer. She's now in a relationship with a terrific guy who adores her DS.
My friend's husband wasn't an evil person, he just didn't want kids (some people don't). And he didn't have the moral strength to come clean with his wife, because he wanted to continue the relationship as it was (i.e. childless). It ended up being a far messier split than if he'd been straight with her from the beginning. Yeah, he hung onto his wife for a few more years, but after several years of excuses she was angry.
As to the suggestion made by your friends, OP, it's a very bad idea, as you obviously already know. It's one thing if someone gets pregnant genuinely by accident, but an "oops" pregnancy would make you feel horrendously guilty. I'd say you're better off either looking for a new partner who is willing to have children, or going it alone like my friend did.