Dr. Beth,   My wife and I have been having problems for years now.  We don’t agree on finances, we disagree on disciplining the kids, she criticizes me for not making enough money, and there is no affection in our marriage much less sex.  I have been dissatisfied for years and I know she can’t be happy either even though she won’t talk about it. I have tried off and on to get her to agree to go to marriage counseling, but she refuses, saying that counseling is just a bunch of psychobabble and couldn’t help someone get out of a paper bag much less save a marriage.  I’m at my wits end. I don’t want to end my marriage but I am at the breaking point and I can’t stay in the marriage the way it is. What are my options?