I am new here but my problem isn't. My wife and I have been married for 7 years and have had problems with our sex life in the last 6 years. We have had ups and down, periods of frequent sex and long periods of no sex. Some of it due to having two kids, the rest due to stress from financial issues.

It is to the point that she has lost interest in sex and although she says she wishes things were better, she is reluctant to make any effort to make changes. She won't read books, no research, and refuses to do anything because she just doesn't like it.

How do I encourage her to want to make an honest effort to change?