@Abc1237890 I’m really sorry you’re in this position, it sounds incredibly stressful for both of you. From what you’ve written, the disagreement about a third child isn’t actually the core problem. The real issue is that you’ve been raising concerns about your relationship for years and your wife hasn’t been willing to engage with that.
Wanting another baby when the marriage is already strained is only adding more pressure, it won't fix it and it may well end it if its not by mutual consent
It’s completely reasonable for you to say you don’t want another child right now. You’re already stretched financially, you’re the main breadwinner, and you’re feeling overwhelmed. A third baby won’t fix the underlying communication problems between you, if anything, it would magnify them.
Your wife’s distress sounds less about “three children” and more about fear, frustration, or unmet emotional needs. But that still doesn’t mean a baby is the solution. You can’t agree to something this life‑changing just to stop the arguments.
If she won’t consider counselling together, then you should go alone. You need support and a space to work out what’s actually happening in your marriage and what your boundaries are. You can love your children and your wife while still saying, “I can’t bring another baby into a situation where we’re unhappy and not communicating.”
If she continues to refuse any kind of help or discussion, then you’re right, you can’t go on like this. But the next step is addressing the relationship, not adding another child to it.
Any as many others have said, do not reply on your wife for contraception, take your own responsibility for this yourself.
But I disagree with those saying get a vasectomy - that is not something you should do without discussing it first with your wife, that's just as bad as her forcing a decision to have a third child by an "oopsy, look what happened" pregnancy.