I don’t think the age is the huge issue, plenty of folk start their families later these days and have a baby at say 38 and 40.
For me it would be the stretch- financially, emotionally, logistically as the kids get older. How old are your eldest two now?
We have 3. Now 12, 9 and 6. In my baby bubble 6 years ago we hadn’t ruled out a 4th close to the 3rd. I was 34 when I had our 3rd. We decided to stick at 3 as costs started rising sharply after baby no.3 and I’m so glad we did.
It makes a huge difference to quality of life for older 2 in particular. Their needs have shifted a lot since they were 6 and 3 when baby no.3 born. They are much more expensive these days with hobbies, clothes, activities with friends etc. Need taking to more places that I would find a massive pain with lots of littles in tow.
Your existing 3 children may well benefit more from you being able to bring additional income into the house as youngest gets older rather than another sibling.
That’s how we’ve kept pace, me working more as they’ve got older (I was very part time when they were tiny).
I work about 30 hours now so have good balance of being there for them most days after school and also being able to say yes to horse riding/ sports/ holidays/ bday parties/ school residentials/ days out etc etc. Things would be much tighter if we’d had another and delayed me going to work more/ youngest in school.
I think when they are under 8-10 they don’t care/ notice what they haven’t got as much. 10+ defo appreciate they have lots of great opportunities and experiences. So for us it was more about what’s best for the 3 we have got, rather than my maternal desire. I don’t regret it now at 40 or feel I’ve missed out now that ship has sailed for us with youngest being 6.
Good luck whatever you decide xxx