Why am I unable to do sex with my wife.

Hello doctor, I am 32 years old male and now a days I am unable to do sex with my wife due to my current situations. 2 years before i have planned to go to canada and the plan went in all up and downs where my wife also involved in this process like went to canada on studies alone and struggled a lot and returned to see me and left her studies. but unfortunately what i planned was totally disturbed and time i spent and money i spent went in drain. so now again i could not loose my hope as its my dream and everyone knows thay i have planned for this from since 2017. my wife also struggled in this process and we again started our process and in this situation my wife asking sex and iam unable to do when she needs. i told her wait until we reach our goals in our life in both careers. so is it a crime to ask her to wait for sex for few months as my mental state only stick to future plans and past situations.please kindly suggest. she thinks i am avoiding her in all means.