In our case is age (my wife is past safe pregnancy age), flight costs (we have family in Italy and with 2 children our ticket is something like 4k CAD), childre

In our case is age (my wife is past safe pregnancy age), flight costs (we have family in Italy and with 2 children our ticket is something like 4k CAD), children cost: 2 children education is already 420$/month + 800/month for childcare, with 4 children it would be 2000,without counting that we wouldn't be able to use car sharing anymore which saves us 1000/month. On top of that, my wife wouldn't be able to work for another 4 years, which means she will never have a high paying career. Support at home would probably be needed, since we have no family here. All in all, I suspect we would need a net additional ~6K net take home just to consider it, and we would still need to make some sacrifices. I also have to point out that we really liked our 2 children and would have loved to have more. That's still not accounting for the fact that we might need a bigger home, although still doable with our 3 bedroom.