Karen1 You are right and that is my H's primary excuse. Thing is - I don't buy it.
The big difference between Mr. K and me, I had the work/income stress but I did F BB every chance I got if I wasn't working, if she was awake, if FITB.
One of our problems was timing. She was ready and flirting by 8PM and was out like a light by 10 PM. I had work to do till 8 or 9 PM, and then wanted to play. By 10PM I was cooking while BB was about to turn off for the day.
I was still revving by the AM but she wasn't into morning sex or middle of the night of the night sex, except on very rare occasions.
I did most of the work when it came to ML. I never asked for much. Always was worried I was being pushy or I might make BB feel uncomfortable.
I asked her to do me like you do Mr. K but she wouldn't do more than a minuet of F'n me so I took over.
I like top, bottom, side, back, another difference between me and Mr. K.
Karen, I see why you don't buy the work excuse. Work can be a stressor but not a reason not to do the W.
For me work interfered but it didn't prevent me from having sex. BB wanted more of my time, sex or no sex, which I didn't give her because of work and financial strains.
Some of the jobs I had at the time required a lot of time, didn't pay that well, and I wanted to have/do the things most of my peers had or did. BB wasn't working at the time, another difference between your situation and mine.
Of course, the back and related financial things, really screwed up our sex life
My opinion is everyone like me and BB needs to F at least monthly, no matter the anxiety one has. And they better put their all into it too.