I would say go for it. I had my second this year. She wasn't really a planned child, but she is a blessing to our family. I would love to have a house filled with children, but my husband is happy with the two we have. I have done a lot better saving money with the second one. I use cloth diapers which saves a lot of money. Plus, I breastfeed which saves even more. She hasn't costed us a lot of money besides the hospital bill. I am thankful we have good insurance that paid most of it.