I'm jealous that my friend is pregnant with her 3rd kid. I also have 2 kids and I want a 3rd, but husband says we have to wait until we are financially able to support a 3rd. But I really want another baby...

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You have to think in the long run. It's not because of just because of having kids. Yes you will be itching to have a baby. But the financial burden won't be easy with 3 kids.