Child spacing at this point is just not the issue. Even if you gave birth 9 months from today, the kids would not likely be close or even playmates for a few years. It won't matter however when they are adults. My sisters are 10 and 12 yrs old than I and we are best friends. However, your financial situation is obviously of concern to both of you. Debt really stresses a pregnancy, and you don't want that. Waiting till after the first of the year when some debts are settled, respectfully approach your husband again with your desire, and see if he agrees that you should add to your family. I highly disagree with any wife trying to convince her husband to have more children. It usually ends in a disaster for the relationship especially when raising the child becomes difficult at some point (and i will!). My husband was content with 1 child and I was not. I brought up the subject when she was 18 months old and he was opposed. 6 months later, he had a complete change of heart (I didnt' nag, I just prayed) and we started trying for #2. It took 6 months for us to conceive, but I had peace knowing that our relationship was in great shape and we BOTH wanted this baby. Don't get too concerned about your biological clock just yet. A few months won't matter in the grand scheme of things, but pressing the issue with your husband might. Best wishes! Nurse Midwife Mom