Hi Crystal,
I can relate to your situation in many ways. I was 28 years old when my husband and I found out last June that I was pregnant. At that time we had been married for almost 6 years. We had talked about having a baby but hadn't expected that wed conceive right away the first month after stopping taking the pill. We were both nervous but happy.
We are both in grad school. He's finishing up his Masters program and I just started my program last fall. He also works full time. I had been working full time as a clerk in a dental office but quit to accept a grad assistantship position last fall and to do some freelance work. The position didn't pay as much as before. We also had a high risk pregnancy. It appeared that the baby might have hydrocephalus and severe problems. We even had doctors asking if we wanted to abort! Luckily everything turned out okay and I have a perfectly healthy 3 mo old son.
Financially I needed to work the assistantship and continue with classes last semester. It was really tough! Luckily my advisor and boss let me make up some hours in the summer. The trouble now is that my assistantship was only for the school year and the payments have ended but I still owe hours. Also I haven't heard if my assistantship was renewed for next year but since I haven't heard back I assume not

I'm still doing some freelance projects and busy caring for the baby. It was definitely worth it, but the pregnancy drained our savings and we're pretty much broke. I'm really busy but not bringing in much money right now and sometimes my husband makes comments that seem like he is implying that I'm being lazy or that it is my fault we are in the financial situation we are in. It really hurts! Most of the time he has been pretty supportive though.
My husband wasn't adopted but was an only child. He lets me get pretty close to him emotionally but like your husband usually is very emotionally detached from those who aren't his closest family and friends. Perhaps your husband is just reacting out of stress and pressure. He's probably concerned about your health and the major changes to come in the future. Have you let him know that his comments hurt your feelings? Good communicatioon usually helps. Hang in there! If you need to talk I'm here anytime.
Kate