It is me. By the time the recession is over I will probably then be too old. Hobson's choice, but the way I'm looking at it, it's not about me or DP anymore, it's about maintaining stablity for DS, and having another would jeopardize everything financially speaking. We are both self employed and have a big morgage. Also the stress of being primary breadwinner nearly drove DP to madness the first time, so experience tells me, it would be the same again.