If it is such a cost issue, I think it can be managed. Maybe, one should think of a less lavish lifestyle. But I think the primary issue is whether we have the time and energy to have another kid. Because it really takes up one’s time and energy. Especially now when mothers are more educated and go to work, they barely have time for the kids. I can understand how tiring it is for one to tend to kids after one hard day’'s work, even though I am a SAHM. BUT, it is really rewarding to have a second kid, cause I believe the first kid would love the brother or sister. Of course there will be squabblings and definitely more noise at home. If you don’t like noise and prefer to have more peace, then you may not want another one. Of course, it is all a personal choice.