Pre Teens Tied My Husband Wants Another Baby.?

My husband wants another baby.? - pre teens tied

My husband and two children 11 and 14 I had my fallopian tubes, when my son was two. Now, when we are older and thus in a better financial situation that my husband wants a change and have a baby. I want a baby, but an investment is expensive and not guaranteed. I'm mid 30s, with two pre-teens. My 14 years, goes to college in 4 years and the idea that a child is now both exciting and frightening. Any tips?