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There's no rule that says that you have to initiate and then have sex right then and there...
When you get home from work, just whisper in her ear in exquisite detail what you will do to her that night. Trust me, she'll be thinking about that all night, and will be ready and waiting for you when the kids are asleep!
If you don't initiate, it could cause some fairly serious problems with her self-esteem - she may begin thinking that you don't find her attractive etc.
The other option is morning sex... even I like morning sex, and I HATE mornings!
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