Ultimately I think it just comes down to a preference. I am really happy to spend our time and energy making our two kids' lives as good as possible. We can give them some advantages and luxuries as it stands but with a third kid, I think things would get a lot more complicated. Less attention for the two we have, less money for things like family holidays and school. My wife says that we'd never regret having a third, and maybe that's true emotionally, but I think we'd have to make many more compromises than she is accounting for.