because I now have no career, am bored and depressed, and now we only have one income we won't have the option of sending our kids to private school if the local schools continue to get ever worse as they are doing atm.
even if I can get another job when he starts school it won't be anything like the same level - there was a woman on the radio the other day saying it takes around 15 years on average to get back to the same level of salary as before dcs 
dh and I are always tired and snap at each other now.
it wouldn't matter about the money if we were happy, but we're not.
it's not ds2's fault, he's a perfectly nice baby, I just really really really wish I hadn't had him.