A rationality check for you, specifically, from a purely biological standpoint:

For a woman, peak fertility occurs between about 16 and 28. After 30, fertility starts dropping more and more rapidly every year, with pregnancies after 35 being classified by the medical system as “geriatric pregnancies” due to their age-related risk.

By the time most women hit 40, they need to put forth up to 30× the effort to become pregnant as they would have when 18, and by 45 most women are considered by the medical system as being functionally sterile.

That’s not to say that women cannot become pregnant after the age of 45, it just becomes highly unlikely without many tens of thousands of dollars of medical assistance.

Natural pregnancies after 45, and without any medical assistance, really only happen to women who have - ironically enough - been pregnant for most of their adult lives, because pregnancy pauses the natural cycle for up to 9 months. This pausing of the ovulation cycle prevents eggs from being expended, and pushes back the decline of fertility by up to as much as a decade if full pregnancies occur often enough. However, since this means carrying a full pregnancy to term each and every year from the teenage years onwards, I seriously doubt that any woman would willingly reach for brood mare status just for a longer fertile window.

So if you have any desire to have a child safely and easily, now would be the time to do so.

Your husband, on the other hand, is likely to continue being fertile until the day he dies. The only risk he faces is a significant rise of mutations in his sperm (starting in his late-40s) that can lead to rates of genetic diseases and birth defects in his children that directly correlates to his age. As in, he ought to be motivated to act soon, as well, but has far less pressure to do so than you do.