Before I get flamed, I know you could never regret a child. DH & I would love a 3rd child but if we do decide to, money will definitely be that bit tighter. I don't work at the moment due predominantly to where we are located and DH's huge work commitments. It makes financial sense for me to take care of our 2 DC at the moment. So in the back of my mind, I'm thinking, there will be a time when I'll be earning again so although things would be tight right now, I'd like to think they wouldn't be so tight in a few years.
I'd love to hear from people who were wary of having a 3rd but went on to have one and whether with hindsight, they would make the same choice if they could go back.