@JesusIs4Me
Essentially this is what you are doing
Mat 1:18 Now the birth of Jesus Christ was on this wise: When as his mother Mary was espoused to Joseph,
before they came together, she was found with child of the Holy Ghost.
Luk 1:34 Then said Mary unto the angel,
How shall this be, seeing I know not a man?
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The Problem is Luke account is before
Now the birth/Pregnancy/Conception; The Angel is explaining before the fact to Mary according to Luke 1:31 and Luke 1:26
While Matthew account is during the
Now the birth/Pregnancy/Conception; The Angel is explaining after the fact to Joseph according to Matthew 1:18 and Matthew 1:20
Luk 1:31 And, behold, thou shalt conceive in thy womb, and bring forth a son, and shalt call his name JESUS.
Mat 1:18
Now the birth of Jesus Christ was on this wise: When as his mother Mary was espoused to Joseph, before they came together, she was found with child of the Holy Ghost.
Luk 1:34 Then said Mary unto the angel, How shall this be, seeing I know not a man?
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You have to put it all together like this
Luk 1:26 And in the sixth month the angel Gabriel was sent from God unto a city of Galilee, named Nazareth,
Luk 1:27 To a virgin espoused to a man whose name was Joseph, of the house of David; and the virgin's name was Mary.
Luk 1:28 And the angel came in unto her, and said, Hail, thou that art highly favoured, the Lord is with thee: blessed art thou among women.
Luk 1:29 And when she saw him, she was troubled at his saying, and cast in her mind what manner of salutation this should be.
Luk 1:30 And the angel said unto her, Fear not, Mary: for thou hast found favour with God.
Luk 1:31 And, behold, thou shalt conceive in thy womb, and bring forth a son, and shalt call his name JESUS.
Luk 1:32 He shall be great, and shall be called the Son of the Highest: and the Lord God shall give unto him the throne of his father David:
Luk 1:33 And he shall reign over the house of Jacob for ever; and of his kingdom there shall be no end.
Luk 1:34 Then said Mary unto the angel, How shall this be, seeing I know not a man?
Luk 1:35 And the angel answered and said unto her, The Holy Ghost shall come upon thee, and the power of the Highest shall overshadow thee: therefore also that holy thing which shall be born of thee shall be called the Son of God.
Luk 1:36 And, behold, thy cousin Elisabeth, she hath also conceived a son in her old age: and this is the sixth month with her, who was called barren.
Luk 1:37 For with God nothing shall be impossible.
Luk 1:38 And Mary said, Behold the handmaid of the Lord; be it unto me according to thy word. And the angel departed from her.
Mat 1:18 Now the birth of Jesus Christ was on this wise: When as his mother Mary was espoused to Joseph, before they came together, she was found with child of the Holy Ghost.
Mat 1:19 Then Joseph her husband, being a just man, and not willing to make her a publick example, was minded to put her away privily.
Mat 1:20 But while he thought on these things, behold, the angel of the Lord appeared unto him in a dream, saying, Joseph, thou son of David, fear not to take unto thee Mary thy wife: for that which is conceived in her is of the Holy Ghost.
Mat 1:21 And she shall bring forth a son, and thou shalt call his name JESUS: for he shall save his people from their sins.
Mat 1:22 Now all this was done, that it might be fulfilled which was spoken of the Lord by the prophet, saying,
Mat 1:23 Behold, a virgin shall be with child, and shall bring forth a son, and they shall call his name Emmanuel, which being interpreted is, God with us.
Mat 1:24 Then Joseph being raised from sleep did as the angel of the Lord had bidden him, and took unto him his wife:
Mat 1:25 And knew her not till she had brought forth her firstborn son: and he called his name JESUS.