Yes you can afford to have kids if you both are willing to sacrafice some lifestyle changes and not just in terms of financial changes-- but time, commitment and prioritizing..........
Better find out now whether or not kids are in his future plans or not. He is now in his late thirties. If he hasn't had the "feeling that he wants them" , sorry, don't think he really wants them then.
Have many girlfriends now in their late thirties who are still holding out and waiting for their significant others for the "go-ahead" to start making them and every year they get a little more bitter for not having them.
You want a family... then your feelings are validated. Us women have an "expiry date" when it comes to having biological kids safely and at 34 years old, -- if you are open to adoption later on, that's a different story.
Sit down with him and talk and find out whether or not they are in his plans at all.
Ah, I've always been flexible....if it happens, cool, if not, c'est la vie. If I had the social life I "needed" 5-6-7-8-9-10 years ago, I might have been like him......now I live under a bridge and have no social life, kids don't impact me as much as I might have expected.
You can have a lot of fun with kids (I hope!).
How many of your friends in your immediate social circle have kids?
If your husband is not ready, then don't push him because this will be in the back of his head for the rest of your relationship with him and thrown against you correctly (or incorrectly).
He is either scared or/and just doesn't like the idea of the committments of a child.
Why should kimba1 tippy-toe around the subject when her window of opportunity is waning?
She wants kids (clearly) and this will have to happen sooner rather than later. If he does not want kids and she does, they have an issue that needs to be resolved soon.
I think you've got the wrong end of the stick -- possibly the wrong stick altogether.
The OP is 34. As already mentioned, there's a biological clock winding down. Her partner is the one stating that his income is insufficient -- not the OP. She's flaunting nothing but a natural desire to breed.
Step back, calm down, and see if you can revert from thermonuclear to traditional heavy artillery.
I was educated to say: "I would like..................please" and if I used the I WANT, I would get a slap accross the back of my head and often sent to my bedroom.
This is the whole problem with society today; Want Want Want .
I am in an angry mood today because I am going to Switzerland tomorrow basically to see a tenent who is giving my mother hassle and WANTING (a garage at no extra rent, a new cooker, a new fridge, this and that etc.) after only being a tenent in my building for 6 months.
Let us get back to the topic. at 125000, you should have no problem with your finances for the first 3 years. After that it is a choice you need to make regarding his/her schooling. Going to local school you would do fine but if you want to send him to the private or international schools, just be aware that it costs around 2200 CHF per month not including day care.