I am older than you but come from a long line of families with 2 kids max. Even after our first was born my mil said a couple of times that this is probably enough.
We had our second 16 month ago and it took us a LONG time to conceive him. So this time we were not very careful and got BFP just after one period since I stopped breastfeeding. I am still in a bit of a shock because it was already a hard year for us. We both work a lot and have to travel for business. So even from our point of view a third child is a bit of a stretch for our time ( it feels like none spare left) and it is expensive as we need to pay a nanny so I can work.
Don't get me wrong I a VERY grateful we were able to conceive and look forward our yet another summer child. But deep inside I worry that we don't have enough space in our tiny house, the upcoming expense, my work, time I can spend with my nearly teenage daughter, relationship with my husband ( that was never a priority in the past year or so due to lack of time).
The other issue is both sets of parents. They will definitely think we are insane. We are announcing after 12 weeks scan but we worry a lot of our relatives reaction. So I do understand that it is a mixture of emotions
but we all will be fine, we will manage...