I always wanted 3 but as my husband already had a child, we stopped at 2 because of car size, house size etc and yes, I was sad about it for a while but now they're all teens or in their 20s and I can see that they all have a much better quality of life than if we'd stretched ourselves further financially. I can see that my career's much stronger and more advanced and interesting without the extra years of mat leave and part time work. We don't have loads of money but we'd have had even less with another person in the mix.
And that's what you've got to bear in mind that it's not just another baby. It's a baby who becomes a toddler, a school child, a teenager, a student, a young adult, and all those dramas and financial responsibilities along the way.
Is it the baby stage you miss? I see a fair few mums on here who yearn for that phase of parenthood.
The freedom comes much earlier when you stop after 2. I'm at that stage where only one child's left in high school doing GCSEs, they're all so much more independent. There's still a lot of parenting to do, it's just different.
What are your husband's reasons for stopping at 2? Have you discussed them or is it just a straight out no?
It's something to talk with your therapist about but it's also something that needs to be a shared decision with you and your husband.