You're 40. It's not too late. You have discovered it is the most important thing to you. So do it . Do it. Take the actions needed to do what you want to do. And if you choose not to take those actions, or if you find it too hard to take the needed actions within the needed timeframe, then be content with not having kids. To be brutally frank, it's likely that one day you will part with your current wife, and then yo…
> It's not too late.
I second that. A (male) friend of mine was 40 when they had their first child and now they have three.
More importantly: 39 is probably not too late biologically for your partner. A lot has changed over the last 20 years for late births.
Find a doctor who's competent and supportive to help you along, you're not the first people to have children at that age.
Turn your regret into a motivator. I've done a lot of different and exciting things in my life, I've lived on three different continents, worked with some of the smartest and most renowned people in their fields, and yet nothing beats the experience of loving your children.
Good luck.