Some pointers from your post I think worth addressing are;
- You say you are from a large family
I am too, and yet I was only influenced by it to not want a
large family myself. I couldn't see how a person can split themselves between more children than there are days of the week, and still do it justice! But it didn't put me off completely and I now have a small family of my own. So my point is that you may be assuming your childhood experience will automatically reflect that of your own parenting, and having a smaller family could seriously alter the likelihood that you'd experience the same. My suggestion is to seek counselling to establish whether your experience has damaged you in such a way as to be permanently scarred (and therefore never open to the idea of having your own family), or whether it maybe possible to gain a new perspective and get over your concerns. (It's worth exploring now rather than finding out that you could have sought help, and that you changed your mind when it became too late to etc).
- You speak of your Dad's career as 'falling on hard times
It's almost as though you assume your career may follow this route too? If your Dad's career had not fallen on hard times I wonder if you'd still feel the same about having children? Any decision based on fears are worth exploring (which brings me back to counselling).
- You describe as a family being in debt that was never resolved
The same questions arise as in point 2. It's almost as though you assume you could fall into debt too? There is a world of difference between having a low income and being in debt.
I think of my brother as I write this, he's extremely good with money and has very little of it, but has not allowed this to spoil his chances for a family and is currently over the moon with his wife's new pregnancy. My point is that being wealthy doesn't automatically click a button to make you accept parenthood, or vice versa. You may be chasing a red herring (another reason for counselling to be sure!).
As I mentioned, I am from a large family and we struggled financially - I always wanted to be a brownie or girl guide but my parents couldn't afford the uniform so I had I miss out. We always had a holiday to visit family and never go abroad, we always camped in a tent and rarely ever ate out. My parents had one car and so couldn't offer lifts, and so from the age of 11 I was cycling myself to school on an 8 mile round trip each day. Life was hard financially but I see that as a positive because I am one of the most shrewd-with-money people that I know! And it forced me to be so independent it has been a real strength, definitely not a hindrance.
Obviously I am pleased not to struggle that way with my own family, but I honesty don't fear it because I know I can survive on a shoe string and still could offer my children a happy childhood. How else did our ancestors bring up their children in hard times such as the last world war? There are more valuable ways than finances to offer riches as a parent.
- You speak of your wife's love for you, but not yours for her
It may be that you assumed it would be obvious from your post that you love her just as much, but because its a pretty vital cornerstone of a relationship, you may need to consider this element in more depth than you've alluded to in your opening post.
- You (and possibly your wife?) make the assumption that your wife would not want to be the main child carer
Parenthood is a strange creature. it does unimaginable things to a person! Motherhood is incredibly overwhelming that way, and I suspect once your wife had a little bundle to nurture, she will want to do exactly that. Whether it involves being SAHM or part time worker, or even full time, remains to be seen. But I'd be really surprised if there was an enduring expectation that you'd be the one to act as full time carer. Really surprised. I'm not sure if either of you are being realistic about that. I'm also not saying being a SAHD is impossible as it does happen, but its rarely the norm and does require a very specific type of parent.
- You assume you'd be more open to the idea at a certain age, namely 38 year old
You just can't say how you'll view it by then, nor how your career will be. No one has a crystal ball, if career forecasts were that accurate the job centres would be much less crowded!
- You assume that you'd stand a reasonable chance of having a child as 'mature' (age-wise) first time parents
As everyone has alluded to, a 38 year old woman is likely to have problems conceiving a first child and could even be premenopausal by then. Back to the crystal ball. No one can be sure, just as you have no way of knowing how fertile either of you are at the age of 31! I know if I had to wait until the age of 38 (for someone else), only to find it was too late, I imagine I could struggle with the relationship and always regret waiting.
Fertility isn't like ordering a takeaway, there's no certainty that you'll get what you think is coming to you. Of course the flip side is that some people manage to start a family at the age of 40 and beyond, but again, that really is the exception rather than the rule.
- You assume that you'll still be together after the long wait for starting a family, when it could be too late to have children
If you have ANY major unresolved difference in a relationship, it will potentially drive you apart in the end. I honestly would suggest that you go as a couple to explore both of your reasons for wanting what you do, and if at the end of the sessions it boils down to just your preference and different life goals, it will fast become evident. I'd say at this point there are too many uncertainties in your decision making process to be sure. It's worth being sure now rather than looking back with hindsight and regret (either with or without children).
You shouldn't feel pressured into having a family if you just don't want one (and never would have wanted one, even if you'd been an only child from a rich family that offered you all you needed emotionally and physically as a child). But equally your wife shouldn't have to sacrifice having children if that's what she really wants. Of course it's her choice at the end of the day, and there is a certain nobility in wanting to avoid 'stringing her along', I do believe many people would be only thinking of their corner and not looking further down the road that way.
But if you do have a child/children, you'd be we'll advised to be strong in your relationship first, as parenthood is very hard. And in my opinion the most rewarding job a person can ever do. But that is my opinion and you'll find many who disagree. No one would disagree that it's really hard though.
So, the bottom line is, I'd suggest you enrol on a RELATE course to explore your issues regarding a family. If they are simply your preference and not a surmountable fear, then fair play. But I really would check that out before letting a loving relationship go. Life is too short and they're hard to find!