But...life..$

I really want one more child. Just 3 total. I'm 31 and want one more sooner than later, but everything is sooo expensive now! Just this lifetime is so hard to enjoy anything cuz of work, home, home, work. My hubbyas a great job withgoid pay, but to let him take on all financial responsibility is not fair, plus I would like to keep atleast a part time to have my own money for surprises (anniversary, bdays, etc.) I don't know. ....