I am in a similar situation of absolute agony of deciding what to do and what is best for our family. Most of the time, my head tells me the same, that we were meant to be a family of 5, and that adding 1 more will create immense stress on time and finances. I feel 70% certain that termination is the appropriate solution, but the other 30% of my heart crying out that changes can be made that might seem big now, won't matter as much in the long term. I'm going to see my GP today and then make an appointment with a counsellor for my partner and me and see what clarity, if any, it brings us.