I agree with all the posters. Sounds like you rushed into this relationship and marriage. You both don't sound compatible in many keys areas and most people underestimate compatibility. You're also thinking of this ex and all your gut instincts are saying you shouldn't marry this woman. You should be honest and give her the reasons so she doesn't think you're just getting cold feet or bailing. You also want to avoid both becoming emotional and saying things like "love will get us through those differences" because it really won't. You both shouldn't just sweep this under the carpet, hoping it'll go away.