Youngmama228 I found lots of little children easy - I was a childminder when my older 2 were small, always lived having loads of children around, read lots of child development and child psychology and followed the early years curriculum, thrived on it ... I thought I'd found what I was best at - had excellent routines, my children are and slept well, I breastfed each of mine for a year and they are whatever was put in front of them. Potty training was easy at just about text book ages (2.5 the girl, 2.9 the boy - both night dry reliably by 3). I thought I had it sorted and more would be easy.
Then dc3 didn't sleep for 3 years (4 hours to fall asleep, slept for 45 minutes to 1.5 hour stretches. For 3 years. He was also a very fussy eater and almost impossible to potty train until he was 3.5. He's a delightful, loving, intelligent child and I did everything the same as dc1 and dc2...
All children are different, you might get a much more difficult dc3...
I don't regret dc3 one bit, he's unique and hilarious and fascinating and kind and loving - but I wouldn't have more even if I could.
Additionally it turns out to be good that I didn't have more, because obviously those gorgeous squidgy babies and uncomplicated toddlers turn into complex individual older children and teens who need the individual attention of their parents and deserve not to be part of a group all the time.
Each child deserves seperate hobbies, seperate friends, seperate time with each parent, to be taken seperately to clubs and activities which they don't share with siblings.
All that is quite hard even with 3...
Plus all the stuff everyone else is saying about having a career to fall back on just in case. You cannot know for certain what the future holds.
Even if you sah get yourself a private pension of your own - if your much higher earner husband to be values your contribution he'll have no issues paying into a pension you can both enjoy together in 40 years time ...