On the same line as Turd, it's really important to understand the difference between men and women. I'm convinced woman have a point when they feel "complete" when they have had enough children. For guys it's likely more of a logical thought process (finances, practicality, etc.) At the end of the day, life is short, time flys by and circumstances change. I'd seriously consider seeing if you can bring yourself to sacrifice on this one and have another kid. There is a good chance your wife will always feel like something is missing if you don't go for another.
When I was younger I kept wanting to wait to have kids a little later in life, there seemed like so much I had to do to prepare, and now after starting with our little guy I wish I would have started earlier. I guess my point is in 5 or 10 years the decision to have another kid right now is going to seem a whole bunch different than it does right now.
On the practical side I think issues like does your wife stay at home, or will you need daycare, how old are your other kids, etc do need to be considered. Maybe a good starting point is to sit down and say "I'd like to consider having another baby, but these are the issues that I'm struggling with" Perhaps you can come up with some lifestyle changes that will make this work for both of you. Good Luck!
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