Whats one more?”

We have been talking and considering a 3rd child, We are in a good spot financially and have plenty of extra to do what we want etc. My husband finally got good hours at his job and feels content with how things are, but wouldnt mind another child, But he is afraid of what the extra expenses a 3rd child could bring that would make him have to do more hours, meaning less family time or less extra money. I really would love another baby and I dont feel done yet with the baby phase, but i dont want to do anything that would be drastic change for our family or give less to the 2 kids i already have.

How much extra could 1 more be? I have been saving for about a year now for that 3rd child just incase, so we would now have enough money to buy everything the baby needs. The money Iv been saving for babys needs wouldnt make a difference once baby is here because we are already used to taking out that money, so we would have enough extra to raise our grocery budget, save a little for bday and christmas each month, and a little extra to our vacation & fun money fund monthly. What else am I missing?

My husband thought of insurance would increase adding another child, not sure how much it would increase though, I cant think of anything else, I keep telling myself “whats one more?” I already have two, how much trouble could one more be?

-Also note: My husband gets a yearly raise and he still has a car payment, so in 5-8 years this money thing wont even be that much of an issue, but I want a close age gap and dont want to wait that many years to add to our family. I already have a 5 year old and 3 year old. Also my husband doesnt want to have to work extra overtime or off day & miss out on seeing his children grow up, he wants to be able to enjoy the kids he has, which is great i get that, but i dont want to wish i would have in a few years either…

Im a stay at home mom so child care isnt an issue, it works best for our family.

Please tell me any advice, what YOU personally think that I should do.. any thoughts or comments & thank you for helping me decide our future.