The best time for a women to conceive is by 30 years. This is important to have a healthy child. 32 years is still OK but after 35 years, the chances of conception start going down and the child is likely to develop some anomalies. You need to address to the fears she has in her mind. Your marriage should be stable and your relations with her should be reassuring for long term happiness. She must spell out her fears frankly. As for the treatment, you must get her checked up and start with IUI. The gynaecologist will explain IUI.