I can relate to you OP, we had number 3 just 10 months ago and we were convinced he would be our last after we suffered a miscarriage imbetween #2 and #3, we always said we would have 4 but technically i've been pregnant 4 times already. But since having #3 I am just not finished, I feel nervous about how my body would cope with another, which is why I think that number 4 would defeniatly be our last. Mentally I think I could keep going forever but money wouldn't allow, hubby wouldn't cope, my body wouldn't cope. I'm 23 (24 soon) and I said to DH I can't just up and him get a vasectomy just yet, I just felt so freaked out by saying "hi i'm 23 years old, ive got 3 kids and i'm done" I couldn't shake it, so we have decided to go for number 4, hubby could happily stop at the 3 we have but he knows how much it means to me and i'm the "maternal" one and he wouldn't refuse my heart feelings like that. We have our own place and we do ok financially but we still get the "having 4 is so expensive" etc.. I just ignore it because at the end of the day it's nobody elses choice but you and your partners. You only live once and if this is something you're going to regret for the rest of your life then I think it's important to defeniatly go for it, that's what it came down for, for me. If I stopped now purely for money then I think i'd never forgive myself and be eternally jealous, upset and angry towards other women with 4 children because I didn't get to complete my family, life is too short to have those kind of regrets so that's what influenced our decision I hope everything works out for you!