Aibu to advice my friend not to have a third child because she does not have a career?

[Rebecca2014]

My friend leads a nice lifestyle with her husband and two children, they have been discussing having a third child. With the thought of the 2015 budget in my head, I told her I would not personally have a third child because you never know what could happen in the future (separation etc)

Her husband is the high earner in the family. If they split, most likely she will end up on welfare. Even if she gets a job, she will need tax credits and obviously we all know they are going be cut and limited to two children. Is it wrong of me to think women who do not have careers should not have three children? due to the risk of being in poverty if the relationship fails or something happens to the husband career.

I know you cannot go through life thinking what if...however I feel women who rely on their partners income are at risk. Am I overthinking this?

Why are so many of you so sure that OPs friend wanted an echo chamber or restricted discussion instead of a full, honest answer to the question she freely asked?

The Op is not offering a full reasoned discussion but rather her rather jaundiced perception of the relative merits of being a SAHM with 3DC post budget though MuffMuff with what looks like quite a lot of judgy projection thrown in.

But OP was asked for her opinion. The friend evidently had reasons for requesting it. So why do people think that's not what the friend actually wanted? People can disagree with OP without deciding her friend didn't actually want her opinion, or only wanted to talk about practicalities rather than finances or disaster planning. You can think OPs view is judgy, jaundiced, projecting, whatever, without deciding apropos of nothing that her friend didn't want to hear it. Two separate issues.

I agree with ImperialBlether, you can't go through life on what ifs and you can't insure against the worst case scenario. Best thing to do is make decisions based on the facts at hand and with a bit if gut instinct thrown in. TBH she probably already knows what she's going to do but wants confirmation.

Just be there for her whatever her decision -that's what being a good friend is.