I guess I just don't understand why he would want to have another child. I know I read in your posts he wanted this badly it seemed. But it just doesn't seem like it. If he wanted it so bad why would he be talking about stress and crashing and money worries. Because adding another child increases the budget even more.
I think you did great with your e-mail. Sometimes this is a problem you have to tackle head on and be as blunt as ever. I know with my husband I don't think we would have ever made any headway if I hadn't addressed this issue very bluntly and persistently.
Why do you think he see's his life as having so much stress in it? I also know you have mentioned he trains a lot. So he is probably in way better shape then a lot of men his age.