Number of Children Controversy - Is This Happening to You?

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When a single or even a newly married couple being ask "How many children do you like to have?", they will have their answer in a split of a second. Some will say 2, 3 or 4. They answered outrightly without giving it much thought. But for a couple that has been married for 3 years and above, sometimes this can be different. The wife and husband have different answers and their is a controversy in the number of children to be raise. This happen to me. I am married for 5 years with a four year old son. My wife wants to have more and her argument are these: She is not getting any younger, the older she become the higher the risk of pregnancy; our son is old to have a brother or a sister; our son is lonely of being the only child. I myself want to have another one but not now because of financial constrain. If having another child right now, I am afraid, my son can not be provided of what he suppose deserve. But when ask, when can I be ready to have another child, I cannot say when and how my financial status will be soon better. Is this happening to you? Am I right? Is my wife right? Do you have a similar experience?