I'm 40 (just) and just cannot decide about a second child. My child is 4 and has lots of interaction with other children already - shows no signs of being adversely affected by having no sibling. However, I hate the thought my child is alone in the world if I get sick or die, but then I worry about money and financially providing for 2 children. We are comfortable no money issues but not rich and I worry about no pensions and providing for myself and two children. I just go round in circles and can't quite make peace with just having one but also freak out at the thought of two. My age is also a factor I'm permanently tired and see life as being so much easier with just one.