As others have said, don't think about the cost! It's just too scary....

I had my son when I was 40. The week after he was born, I turned 41. A cousin the same age who now has 3 under the age of 4 agrees with me: the plus is we have more patience than when we were in our 20s, the minus is that we need more sleep.

I don't think you should hesitate because of your age. Just make sure you work out with your hubby beforehand--until the baby is old enough for the trailer, you need xx amount of solo riding time per week.