Deciding whether to have a baby now or later?

I am 25 years old and my husband is 30 years old. We have been together for 7 years and married for 3 yrs. When we got married, I left my job and moved away with my husband to be near his work. He has a secure, rewarding job with good benefits, but the pay is very low (22k a year). For the past 3 years, I have struggled horribly with jobs and have no idea what I want to do career wise. About 6 months ago I started a Central Service certifcate program to learn how to sterilize surgical instruments because this seemed like something I might like to do. I admit it was a bit of a stab in the dark but I needed to do something. Unfortunatlely, I have not been able to gain employment in this field and have been job hopping for a while. My husband and I had originally been saying that we wanted to wait until I had a more secure career outlook and we had more money coming in, but now we are suddenly debating just jumping in and going for it even though things aren't 'ideal'. We both have been struck big time with 'baby lust' and I have suddenly realized that we are not getting any younger. My husband is concerned about his age climbing (30 yrs) and I'm realizing that my plan to be 'done with children by age 30' is going downhill fast. We have been talking about this a LOT lately and I have been researching a great deal as well. My husband and I are now wondering if perhaps my not being 'tied down' to a career right now wouldn't be a blessing in disguise in a way. I would like to stay home with the baby for a least a year, but yet I am concerned about what would be better. Should I wait on kids and hope I get my own career demons figured out or should I just take advantage of the fact that I am 'unattached' and free at this moment?? Does that make sense? I would appreciate some thoughts on this. Thank you