Your "risk-averse wife" should consider the risk of having an unhappy and resentful husband in a few years' time. As a couple, her happiness is entwined with yo

Your "risk-averse wife" should consider the risk of having an unhappy and resentful husband in a few years' time. As a couple, her happiness is entwined with yours, and vice-versa; neither will be content until both are. If you feel you are on the wrong track - and it seems you have quite soundly arrived at this conclusion - start hunting around.