Well, fast forward to when those 4 kids are graduating from high school. Ca-ching, ca-ching, ca-ching! I had two in college the same year - double the hemorrhaging, double the fun! Thank goodness, my older one just graduated and the only thing we're paying for is 10 bucks a month for him to be on our cell phone family plan. I have 3 more years to pay for my second one.
Camps, tutoring, sports, school, vacations for 4, the list goes on and on for how much money these kids cost over 22 years, each. The goal has always been to get them out of school before we retire - not long now. The point I'm making is that the costs really are exponential.
You should have a big insurance policy on both of you in case one of you dies, even with 3 kids. I took a term policy out on me just in case I was the one, so that my husband could hire full time help. And it's a 15 year policy before they go up on the premiums, just in time for my son to finish college. I'm glad I'm still alive, and glad I have the peace of mind having the insurance, knowing that I've done the right thing for my husband. And my husband has life insurance for me if he dies first.
So the money is the first thing. The second thing is what happens to your body after 4 babies. I can only give you the example of my mom, who birthed 4. Her bladder, rectum and vagina all started falling out. She had to have surgery and the incontinence never did get better. At least all the "stuff" is back in place. She's in her 80's now and it's dangerous to have these surgeries to fix things. And she kept putting it off and putting it off before having it done. (A lot of old folks are like that.) I am PRAYING that because I only had 2, that it won't happen to me. What happened to her in the long run worries me more than going through another actual pregnancy.
Thing is, you think you'll regret if you don't have another, but if you don't, and you miss having complications, you won't even know that you missed them. I know how lucky I was to make it through my second pregnancy without having almost half of it spent in bed like I did with my first pregnancy. And I know what it's like to spend YEARS getting my son's speech problem handled. Money, time, effort and a lot of heartache along the way.
So, you know what my thoughts are. Encouragement? Okay, not anything new, according to what you're saying others are saying. Enjoy those 3 you have. Maybe the difference is that I'm giving you some reasons you might not have thought of?