Should I have a 3rd

Originally I thought we were completely DONE once we had two. But lately I’m like what ifffff we had another!? I blame it on our grandparents pressuring us and putting the idea in my head. Also my husband had a consultation for a vasectomy and we both had second thoughts! But some things that are holding me back are just overall stress, the newborn phase again, another private school/daycare tuition. Also I will probably be around 35 when I potentially have the next...worried about health of the child (and myself!) as I get older. We can afford another but have zero help from family right now because no one lives close

We have a 3.5yr old, and a 9month old.