Thanks for your honesty. Something I’d consider is saving up for retirement as well, and I think having another child will derail any kind of financial gain or momentum you and your partner might have. Not to say that those things will happen, but it’s absolutely important to solidify your financial footing first before taking on more debt. Also, if I was a parent I would love if my child/ren didn’t have to worry about my finances and my retirement because that’s a burden children and the next generation will carry. Best of luck!