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OP, I think you need to listen really, really carefully to what your dh is saying.
If you are home with the kids and he is working a job, you are both working, of course. But the pressure on him, as the breadwinner, is a whole different ball of wax than the pressure on you, with the luxury of staying home (and I say this as a sahm). Perhaps it would be different if your dh loved his job and felt fulfilled by it. But he doesn't. He hates working for money. He has a dream to do something different. If you were to have two more kids, what would that condemn him to? Working more for more money. Because, as pp have pointed out, it costs a whole heck of a lot more to raise four kids than two.
Think about that. Think about whether two theoretical kids - when you already have two - are worth in effect forcing your husband to keep doing something he doesn't want to do. How's that going to be for your marriage? I would forsee an awful lot of bitterness on his part and guilt on yours. Sometimes you have to give up something you want for the sake of something else - your marriage, in this case. I think this is one of those times.
My advice: drop the subject altogether. It's possible he will independently decide he'd like another couple of kids. But if I were you, I wouldn't count on it.
harsh, but
. And I say this as a mom of two, who would in a second quit my job and have a third (and maybe a fourth!) if we were independently wealthy :)
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Do not minimize the costs of each additional child! Going to three or more children would mean a totally different lifestyle for us (and I think it would for most people).  For us, having three children instead of two would add these costs:
- Bigger house (unless we had all three share one bedroom and all five of us share one bathroom) - ???
- Minivan (can't fit 3 carseats into our current car) - $20,000 +
- Childcare/school expenses - additional $15,000/year for daycare, or extra $8,000/year for nanny (or just quitting my job, which is probably what I'd do with three)
- Additional plane ticket and costs of any activities for any travel
- Additional food costs - having an au pair this year has made me realize how much it costs to feed an additional person!
- Additional healthcare and insurance costs - we have insurance, but the kids still cost me about $200 a year in ER visits and co-pays, and who knows what it will cost when they start needing glasses/contacts and dental work and whatever other health concerns come up
- Clothing and "gear" costs - yes, you can get everything used or get hand-me-downs, but who says they'll all be the same size/season/gender? And like someone said before, eventually they'll all need their own beds and dressers
- College expenses - if you plan on paying for any of your children's college expenses, adding another kid could cost you serious money in 18 short years
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I'm sure there's more, but all that to say that if your husband's concern with more kids is that he doesn't want to feel pressured to work for money rather than his passion, then really there's nothing you can do that won't make him miserable that will change his mind. I hope you can find happiness in your family as is (or that you really do win the lottery!!)








