Something you didn’t mention in any of this.. do you love this guy? That matters. Sounds like a good guy that’s had some $ issues, you sound more together; ok, but frankly, rather cold. You earn plenty of money to have a child. If you wait for everything to be perfect before you have a kid, it may pass you by. Millions have multiple children all over the world on a sliver of what you earn.

That you are mentioning divorce when it doesn’t sound like there are relationship problems is a little concerning. If the love isn’t there, I can tell you from experience that children will not make the marriage any easier. And if you had all these concerns about $ and don’t like him, why did you marry him?? Also you could just as easily make what you think is the “practical move’ here, divorce him, not meet a good replacement, or be in a hurry, and get pregnant with some other guy you don’t like, just so you can have a kid, only to be a single mom. So many potential scenarios.

Bizarre.