CSW.......I really hope you get the raise your asking for. Sounds like you are doing great there. I also think that cradle idea is great! I would start on it right away. Let your wife know you are thinking about your future and children are definetely part of that future.

CSW.....I would ask her why she has such crazy expectations about having everything just right before starting a family? Well, not crazy but just very high expectations. I haven't ever known anyone that had their college paid for before even having a child.

I can see why she is feeling this may never happen being she is 37. I would say if she was going to start a family it would need to be right away.