hi doctor, im 26 female and my husband is 24 male we got married about 3 years back love marriage but we never had sex as my husband use to say we need to settle first in life then we can get baby so i was waiting all these days and now before months i told my relatives regarding this and im still virgin they were surprised to hear im like this and suggest me that to leave him and get divorce because he is unable to get baby but when i took my husband to the sex doctor he didnt allow the doctor to even touch the organ and he is sweting and said that he is afraid of pushing his skin back he told that is his problem but he gets sperm and doctor adviced to take him to the psycologist first to get rid of his fear but after that im begging him to come to the doctor again but he refuses and he dont care about it he is just saying reasons day by day to escape from the situation. whether he is cable to get a baby and what can be done to solve this problem and how to overcome this problem but im eager to get a baby . Please doctor advice me and suggest good answer for my life how to treat him? if he has any problem whether it is possible to solve it or no way to get baby? i daily go mad why he is doing like this and not worried about the baby