I'm not going to be much help to convincing you not to either. I think if you feel like you're ready for another than go for it. My hubby and I were not married or TTC when we got pregnant with DD, turning 2 in Aug. She was a COMPLETE surprise. We were not married yet, had just gotten engaged, and didn't feel like we could afford to raise a child either. We got married when she was 6mo old, she's never wanted for anything, and we just had baby #2, a wonderful son. I'm 21. I didn't plan on having kids this young but I knew I wanted them close together so I didn't let age stop me from having the family I wanted.