You are exactly where I was at after 3 kids. We ummed and ahhhed about a 4th for ages - one month it would be me who wanted it and DH wouldn't, then we'd swap LOL. We did that for ages. I tried to convince myself i was happy with just 3, especially as she got older and we were starting to move out of that baby stage - the first 3 were only 20mths apart so thinking of another baby at that point was just crazy! But I realised that I just wasn't ever going to be satisfied with only 3 so we decided to have our 4th baby. And it was like the switched was turned off so to speak and the cluckiness definitely went away. Like I said previously, we both knew that we were done after that. The only advice I can give you is not to live with regret - give yourself more time to be sure. Maybe you might just need more time, maybe if after another year or so you will know either way what you want to do. Maybe in time you might be in a better position to afford it etc. Or maybe you will feel completely done. Just leave yourself the option and see what happens. There's nothing wrong with the bigger gap - by the time 4 was born there were just over 3 years between DD2 and him. Just don't live with regret.