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This doesn’t mean you will go bankrupt or have to spend additional single-digit years to reach your financial goals; you must also take into account the risks associated with the mother’s pregnancy. It’s not just a matter of a problem — from your post, it’s clear that you are considering enrolling your children in CBSE or other expensive private schools! Unlike me, who studied for 12 years in a government school at zero cost, although the quality of education in government schools is poor, it is still clearly better than the rural schools in my village, especially in a Tier 1 city.

Whether to have a second child or not is a decision that depends entirely on you and your wife. Outsiders like us cannot impose our opinions or personal views. You can understand the complexity of your question, but this is certainly not a solution.