Astrid, not doom and gloom, just reality! I am not oblivious to the fact that sadly bad things can (and do) happen. DH does have life and income insurance. So we are covered a bit if (God fobid) any hardship of that nature were to befall us.
But should that stop us having another child? Gosh if I thought that way, I would never have had children!!

We are planning on moving sometime in the not too distant future. Probably to a 3-4br house. We are not planninng on staying here for more than a year or so from now, so the housing thing IS going to change no matter whether or not we have more children. We would like to get a new car too, though that was in the longer term future, rather than a year or so. If we had another child though we could probably make do with the car we have but it would be very tight!

When I look at all of the negatives of having another child, it does outweigh the positives. Thinking rationally I probably shouldn't even entertain the thought.....but having children can be sooo irrational!