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Notes -
I have 3 (and we hope to have more!) - but I think my situation is very different than others. We started with twins, so in a way it doesn't feel like we really have 3 kids. More like 2.5 maybe, it almost feels like stolen valor. Our twins are a bit older (not like 2 years old), so that also helps quite a bit. I think having a 0 year old, 2 year old, and 4 year old simultaneously is much more difficult, so I think the ages of the kids makes a difference here.
As far as costs/house/vehicles - sometimes I feel like I won the lottery. My wife doesn't work, so we've always gotten used to a single income. I live in Canada, so our healthcare costs are literally 0 (except for occasional drugs, covered mostly by employer insurance). We also get around $400 per month per child in cash from the government, direct deposited (the Canada Child Benefit). We bought a dingy early 2000s 150k odo minivan for $2k cash about 5 years ago prior to our twins, and it has served us well up to this point. We bought a 5 bed 3 bath house in a low cost of living city for around 300k in 2020. At our current situation we could handle probably up to 5 kids without having to change anything.
As far as "rewards" - our 3rd is the most precious thing. I just feel like the more, the merrier. More cousins, more networking, more possible support later on in life, hopefully more grandkids or more likelihood of grandkids - I'm trying to build a clan, a kingdom, a tribe, echoing long after I depart this earth. 2 -> 3 is usually considered the hardest, but in a sense 0 -> 1 is definitely the hardest and you already did that.
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