It all depends on how you feel about kids. My wife and I had 8. I wanted 2, my wife wanted 12. Our first argument was over how many kids to have. I finally said, "Ok. I'll do my part." ;-) My wife watched too much TV and finally decided "8 is Enough".
Our last one was a surprise. I sometimes think what my life would be like if we had only had two. When my wife and I got married ZPG was all the rage, the "in" politically correct thing to do. (ZPG=zero population growth, no more than 2 kids) I can tell you now, that my life would be far, far less happy if we'd only had two kids. My oldest two live over 1500 miles away and see us once every three or four years. My last 6 live within 60 miles of here and we see them for Sunday dinner on a regualr basis. I love them dearly. They all have wonderful spouses and they have 14 kids among them. I love it when they come over and bring their kids. I love my grand kids tremendously.
I traveled as part of my job and when I met new people the topic of kids almost always came up. What I learned is the ideal family for almost all families is 4 kids. If they had had one child, they almost always said they wished they had had 3 more. If they had 2 kids, they wished they had 2 more. If they had three kids, they wished they had had one more. The people that had 4 or more kids were happy with the number of kids they had. The exception was the parents that raised their children and had one or more at institutions of "higher learning" like San Quentin or Alcatraz. Then they wished they had fewer kids or none at all.
BTW, if you wait to have kids when you can "afford" them, You'll never have any kids.
Good luck to you and yours.