Will there be a big difference having 2 kids compared to 3 kids? What are the things we have to watch out in terms of savings especially in this kind of high expenses society

You would absolutely have to consider your financials - probably the largest part you would have to consider. how about when they get older? education costs? your monthly spend - can you afford it? maybe it's best for you and your hub to sit down and really go through your expenses :)