I’m new here, too–here’s my 2Â¢ worth:
Since you are only 23, why not take a couple of years to enjoy the children you have? Then you & hubby can have another baby (or two…). You may find that you have more financial resources to help you raise more children in a couple of years, and your oldest may be able to help out by playing with their siblings.
And you’ll have more time to enjoy each child’s babyhood (as well as their “terrible twos”!