It's not stupid to want another child in your life. It's natural.

It would probably be unwise for you to try at this time, though. A new baby, even with two healthy parents, brings a huge amount of stress with her/him. That's not something that you need right now. Your marriage is rocky right now, you are unwell, and you have a large amount of debt that's coming your way. Do you really want to be pregnant on top of all that?

I know that you're lonely and unhappy at the moment, but a new baby is not the answer to that.

Besides, my brother and I are three years apart and we literally hate each other. Our relationship is terrible, and sometimes I think being on opposite sides of the country is not enough space. My husband, on the other hand, has a great relationship with his little brother, who is a full 8 years younger to the day. Hubby adores him, and he worships hubby. Doesn't like me so much, but it's probably because I made his brother move away. My point is that age difference will not affect whether or not your children become friends.

Before you make any decision like having your IUD removed, you really need to discuss it with your husband.