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She want's a baby & I don't

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We used to talk about having a family when we dated. Two years later, we got married and thought we should wait. This year will be our 19th wedding anniversary. The desire is great with her now (almost all of a sudden) and almost non-existent with me. We've been happy all these years (this is a shared opinion, not just mine) and now we're not. At 46, all I want is to do is live life as we have and focus on our financial security for our retirement days. I don't want to be in my 60's raising a teenager. It saddens me knowing my wife is so unhappy. At the same time, I do not feel the urge to change my mind. I am also afraid that if I give in, I will be miserable and not fun to live with. We hardly ever argue. I think about 5x in 20 years. When we did, I quickly recognized it was my fault, and corrected my action. We almost always see eye-to-eye on issues and life has been great. When we discuss this issue, she cries. I even offered to seek counseling help. Maybe a third party can convince me. My friends that know about this tell me to just give it to her. In the long run, I will be happy. I love her and don't want to lose her. Help - please!