Deciding how many kids to have can be a sticky situation for couples when one wants one or two more and the other is done.
I think your husband is thinking logically and you are thinking emotionally.
Neither of those things is WRONG, by the way.
You aren't going to be 50 for 20 years so in a way, for you that's a long way down the road and 50 isn't so bad.
But, your husband is 50 and in 20 years, he'll be 70. He'll still be healthy then, God willing and you can enjoy some kid free time, just the two of you once your 2 kids are out on their own. (Again, God willing :) )
I was 33 when I had my last child and believe me, the more he grew and I loved what a wonderful child he was, I really had longings for another child. A hysterectomy not long after he was born took that choice out of my hands, but I sitll had those twinges. I still get them around babies, but I'm 48 and I figure I'll just have to wait for grandchildren.
They told me from the time I was very young that I'd never have children so I was just so happy to be blessed with my two miracles.
I do understand your longing for another baby and that's not something you should keep to yourself, express your feelings. But, you have to be willing to listen to his feelings on the subject as well.
If you were able to have another baby within a year, it would only make a year's difference in things, but when you're 70 or pushing it....the difference seems bigger.
I just think it means a lot for you to really listen to his perspective. Not that your perspecitive isn't important as well, but you are seeing things from two different perspectives.
Being older, finances, etc...those are valid concerns.
The other thing I wanted to say is that my grandmother married a man significantly older than she was. They had 4 children. When he passed away, she was mom AND dad and had to work to finish getting the kids raised herself. She had never worked outside the home before.
She never remarried. She managed and lived in the same house for 70 years. She passed away at 94. Her kids all took care of her in her later years.
Babies are such blessings and I would have had way more than I did if I could have.
Maybe just continue to talk about it with your husband without it seeming like you're "bugging him" or "trying to talk him into it".
Men will tune that out.
I know lots of people who planned their children young, had them close together, got them raised and on their own so they as couples could still be young enough to enjoy travelling and being in love and look forward to that new phase in their lives.
It's a personal decision.
I wish you the best.
I hope you find something that is agreeable to both of you so that you're mutually happy with whatever you decide.