What is stopping me from getting started after all this time?

[Frogandbear]

We have 3.8 year old twins and finally feel ready for another baby...thought the day would never come

We've just finished work on the house, the twins are getting more and more independent every day and will be starting school in September, we're in a good place financially, and most importantly, DH is now fully on board with the idea.

So...why can't we get started? For some reason, something is stopping me from getting rid of the contraception, and I'm chickening out. It just feels like such a massive step and decision and I can't get over the first hurdle.

Has anyone else felt like this? Everything is great and I should be ready but I just can't do it...