This is something you and DH need to tackle out what to do. Everyone will have differing opinions, and we'll always wonder the what could have beens either way. What do you want more, what will bring you greater joy: a big, crazy, happy family, or, the smaller but financially stable life??
For what it's worth, sure, I would LOVE a huge family, with lots of precious ones. But if it came down to your situation, and I already had two beautiful babies, I would be content and use that money to give them a stable home. But that is just me. Make a list of pro's and con's for each, then discuss.
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