Our financial situation is constantly on the edge of chaos - we're self-employed and everything relies on the one business - which also employs 10 other people whose wages all take priority over ours - so on a bad month, it's not so fun. Dodging landlord this month because I had to pay VAT then bottomed out the bank account to pay Google to keep our advertising going, rather than pay the rent...
My DH was the youngest of seven, they had one unemployed parent, and grew up in a three-bed end terrace. His family is incredible
My parents started off dirt poor but sacrificed to work their way up - we moved countries, cities, schools, improve our prospects - which is a commendable thing and no doubt we've benefitted from it - but my mum died when I was 17, and even though we all live within a 50 mile radius (my brother at the end of my street) we barely talk, never mind visit. They're there if I need them, I guess - but they're not my first port of call if I need help. DH's family live in each other's pockets and while I like to keep a bit more distance, I love dipping in and out at will.
Anyway. I guess the point of that was - our ethos is that it'll all be alright in the end. My friends have mostly felt that their families are complete at two, or maybe three kids - I never felt that feeling and can't see myself getting to the stage of never wanting to have another one. And no matter how hard, and oh. my. god. I could easily throttle one, three or all children and my husband of a night when they're not sleeping well, it can be so hard.. it'll be alright in the end. It's worth it. No matter what - for me at least. I know others who value cars and holidays more as they never had them growing up, and that's ok too. You shouldn't let anything hold you back from whatever you feel is right for you, because it'll always be alright in the end