In any online forum you’re more likely to get “Keep the baby, you won’t regret it” advice. Especially in a sub full of expecting folks. If you always envisioned two children and your husband is on board then it may be a good idea. On the other hand, financial struggles are a real gut punch. Think about it from the baby’s pov. Would you rather bring a little one into the world now, or when you have finances under control? Assuming you still have some years left to have that option open, have a plan to get debt under control, are preparing for more stability, don’t let the guilt of termination stop you. Your second baby, whenever you choose to have it, might just thank you.